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The Research on Demand and Supply Balance of Rural Credit

Author: TangJun
Tutor: ChuErMing
School: Xiangtan University
Course: Political Economics
Keywords: Rural Credit Market Supply and demand balance The formal financial
CLC: F832.4
Type: Master's thesis
Year: 2008
Downloads: 125
Quote: 0
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Abstract


The Fifth session of the Sixteenth Central Committee of the Party and the Plan of "the Eleventh Five-Year" proposed that, building the socialist new agricultural countryside is one of the most important historical missions in the modernization process of our nation. We should proceed from the overall situation of socialist modernization drive, to make industry nurture agriculture and cities support the countryside, and to balance urban and rural economic society development. As a key factor in the economic development, the function of capital investment has been testified by researches of many scholars. Some scholars argued that the shortage of capital formation was the root of issues concerning "agriculture, rural areas and farmers", and only through accelerating the formation of agricultural capital, could issues concerning "agriculture, rural areas and farmers" have radical solution. The plan of "the Eleventh Five-Year" also required that we should insist the principle of "give more to, take less from and liberalize the countryside", increase the incremental investment toward agriculture and rural areas from all levels government, and enlarge the range of rural areas covered by the public finance. Whereas the financial transfer payment is limited, the function of credit capital for the rural economic development is self-evident; Under the situation that indirect financing is in dominant status in China. But the exceptional difficulties of getting loans in current rural areas have been the "bottleneck" of rural economic development. Therefore, how to find a solution for issues of credit supporting agriculture has been a crucial problem the task of building the socialist new agricultural countryside must face and solve.In recent years, the inadequate investment in agriculture infrastructure and fragile situation has not changed in our country, and the reform and innovation of the rural financial apparently lagged behind. All these lead to that when facing the strong and diverse needs in the rural area, rural finance can not have provided the appropriate credit services. To achieve the grand objective of building a well-off society in 2020, it is necessary for us to reform and improve the investment and financing system to crest a diversified supply system in the rural areas to promote the development of agriculture, maintain the stability in agriculture and increase the farmers’ income. Thus, the research on how to really solve the contradiction between supply and demand of rural credit and how to build a scientific rural credit system becomes an important subject.The same problem still exists in Chinese rural financial system after several reforms that rural current financial institutions can’t provide effective credit services to sanctify rural capital demands. What is the character of Chinese rural capital demands, and which kind of financial support system can sanctify the demands? The article analyzes the situation of change of demand and insufficiency of supply of rural credit in rural area. Based on forenamed economical theories, we find and judge the factors affecting the demand changing and supply insufficiency of rural credit by particular analyzing the capital operation and management in rural area. The rural credit market, lacks of funds, credit the obvious contradiction between supply and demand issues, not only in rural areas to increase the total supply of credit, but also with the rural credit market characteristics to the specific needs of targeted credit innovation. At the national vigorously promote the building of new countryside protection and support measures on the basis of building financial policy, commercial banking, credit cooperation and standardize the credit division of non-formal, orderly and complementary diversification of the rural credit service system to ensure that the rural credit supply and demand of the structural balance. We made the research on the character of these demands and rural loan, analyzed the shortage of current financial support system and provided some useful proposals to the future reform on Chinese rural credit.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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