需求视角下的农村金融供需不均衡分析

Analysis on Rural Finance Imbalance from Demand Perspective

在农村金融问题上,以往的研究者一般都遵循这样一种逻辑:农村金融的供给主体减少、农村信贷品种单一等,即农村金融供给不足导致农村金融供需失衡。本文认为,农村金融供需失衡虽然和农村金融供给有着直接的关系,但农村金融需求的特点和目前新的变化与农村金融的供需不均衡有着千丝万缕的联系。本文通过对平顶山、漯河、驻马店三地的实地调研,从农户对正规金融(主要指农村信用社)需求的影响因素来分析农村金融供需不均衡的原因。

On the rural finance issues, past researchers generally follow such a logic： the main body of the supply of rural finance has reduced and rural credits are single. The inadequate supply of rural finance led to imbalance between supply and demand. This paper agrees that although the imbalance between supply and demand has a direct relationship with supply of rural finance, but the characteristics of rural financial needs and the current changes and the new supply-demand imbalance in rural finance are inextricably linked. According to Pingdingshan, Luohe, Zhumadian three field research, from the factors of needs of farmers to the formal finance （mainly refers to rural credit cooperatives）, it has a research on analyzing reasons affecting supply and demand imbalance on the rural finance.