安徽农村信用社联合社存款市场营销的现状和发展

Current Situation and Development of Bank Marketing of Anhui Rural Credit Cooperatives

中国农村金融资金供给不足,主要表现为资金总量的供不应求。中国农业银行、农村信用社和邮政储蓄不断吸收农业存款,并把农村资金进行非农化贷款,导致农村储蓄存款不断流出。对安徽农村信用社最近五年储蓄投资变化进行分析,提出安徽农村信用社农村金融服务存在的问题:农民贷款供不应求。分析了农民贷款比例较低的原因,并提出更好地服务三农,满足农民贷款需求的制度创新和政策支持。

Chinese rural finance is in short supply,which is mainly reflected by total denmand of money exceeding supply.Agricultural Bank of China,rural credit cooperatives and postal savings constantly absorb deposits from agriculture,and then loan rural funds into non-agricultural fields,leading rural savings constantly outflow.This paper analyzes the savings investment changes of Anhui rural credit cooperatives in recent five years.It is indicated that the problem of rural financial services in Anhui rural credit cooperatives is that farmers’ loan demand exceeds supply.Authors analyze the reason of why the level of farmers’ loan stays low,and put forward better system innovation and policy support in order to serve agriculture-countryside-farmer and to meet farmer’s loan demand.