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A Research of the Reconfiguration of Rural Cooperative Financial Organization System in the View of Demand

Author: HouLiWen
Tutor: WanJiangHong
School: Huazhong Agricultural University
Course: Sociology
Keywords: Demand-oriented Financing environment Imbalance between supply and demand Reconstruction of rural cooperative financial organization system
CLC: F832.35
Type: Master's thesis
Year: 2010
Downloads: 275
Quote: 1
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Abstract


Since reform and opening, China's rural financial supply issues outstanding. Especially in the commercial banking reforms, farmers and rural enterprises payment difficulties further. On the other hand, the gradual development of rural financial needs, showing a trend of diversification. To this end, the author examines the empirical investigation of the financing environment in Hubei rural areas, rural cooperative financial analyzes supply and demand imbalances, and on this basis, attempts to diversify the rural cooperative financial organization system construction. The preliminary conclusion is as follows: First, the financial needs of farmers. 1 farmers demand for funds is more common, and increasing every year. (2) financing mainly targeted to relatives and friends friendship between the interest-free loan-based, formal rural financial institutions in rural Hubei role is very limited. 3. Lending practices are not standardized. 4 financing farmers follow certain paths: the first source of financing within the external financing, external sources of financing preference acquaintances borrowings. 5 different households (different size, different income levels and different sense) between the different economic regions in the financing level of demand, the scale of demand, use borrowed funds to meet the level of demand and so there are differences. 6 Whether the deposit or loan structure and loan characteristic scale of differentiation between different types of households is very obvious that the future structure of rural capital markets will become more prominent. (7) Financial supply the body is missing. Various financial institutions division of functions between the phenomenon of serious dislocation, resulting in the current supply of rural finance body, lack of efficient and appropriate financial institutions to provide financial services in rural areas and farmers, seriously affected the healthy development of the rural economy, leading to rural finance main supply of local faults occur or blank, difficult to meet the financial needs of rural areas. Second, the rural cooperative financial supply and demand imbalance. Rural cooperative financial imbalance between supply and demand not only in the lack of total supply, but also in the supply and demand structural break. While studies suggest that this imbalance, partly because exogenous cooperative financial alienation, partly because endogenous Cooperative Finance hypoplasia and deficiencies. Co-existence of these two aspects, leading cooperative financial dysfunction supply and demand imbalance. Third, rural cooperative financial organization system reconfiguration. Studies suggest that rural cooperative financial organization system should be based on the reconstruction of the pattern-oriented reform of rural credit cooperatives and the body, endogenous, exogenous co-finance for the wings to farmers actual and potential demand-oriented and a huge base to national policy , county payment and settlement system, dismantling interbank market, credit information and local culture as well as legal and social security system is essential to support the main set of micro-, meso-service, macroeconomic policy as one of the three rural cooperative financial organization system of the new pattern .

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Financial organizations in urban and rural areas
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