河南省农村金融供需失衡实证分析

Regression Analysis about Supply and Demand Imbalance of Rural Finance under the New Situation

河南省是一个农业大省,农村金融是决定河南省农村经济发展的关键环节。近几年,国家和地方政府重视发展农村金融,不断出台优惠政策,农村金融取得了新的成绩。本文通过对选取的一些样本进行调查分析,指出当前河南省农村金融供需失衡的状况并没有得到根本改变。农村经济发展落后以及金融资本追逐高额利润的商业思维是导致目前农村金融供需失衡的主要原因。下一步要做好3个方面的工作:加大"三农"投入,加快农村经济发展;依靠政策支持,加快河南省农村金融体系建设;加快农村金融创新步伐,分散农村金融系统性风险。

Rural finance is a key link that determine the rural economic development in Henan. In recent years, central and local govemment pay atlention to rural finance, many preferential policies have been implemented, and rural finance has made new achievements. Through analyzed a number of samples, we find that the finan- cial supply and demand imbalance has not been fundamentally changed, and the new problems about imbalance be- tween supply and demand of rural finance have emerged. The underdeveloped rural economy and financial capital pursues profits are the main reasons for rural financial supply and demand imbalance.