中国农村金融市场不均衡性成因分析（Analysis on the causes of inequality in Chinas rural financial markets）.docVIP

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2017-07-20 发布于河南
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中国农村金融市场不均衡性成因分析（Analysis on the causes of inequality in Chinas rural financial markets）.doc

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中国农村金融市场不均衡性成因分析（Analysis on the causes of inequality in Chinas rural financial markets）

中国农村金融市场不均衡性成因分析（Analysis on the causes of inequality in Chinas rural financial markets） Abstract: the imbalance of China rural financial market mainly lies in the lack of rural financial demand (including lack of demand inadequacy and demand ability), lack of inadequate supply of rural finance and rural financial supply in rural financial demand three aspects. The analysis of the causes of imbalance in the rural financial market will contribute to the healthy development of Chinas rural economy. Key words: rural financial market; financial system; demand intention; demand capability CLC number: F830.6, document identification code: A, article number: 1003-3890 (2010) 07-0061-04 The effective demand refers to the effective loan demand conforming to the loan condition. Two yuan of financial structure at the present stage China coexistence of formal and informal finance in the period of social transformation, the rural financial market is not balanced for specific performance, lack of rural financial demand insufficient supply of rural finance and rural financial supply due to insufficient demand three aspects below, from the view of effective demand to be analyzed separately. First, the causes of insufficient financial demand in rural areas (1) analysis of the causes of insufficient demand for rural financial demand Because of the knowledge level of farmers in rural China low level and lack of modern financial knowledge, gradually entered the modern agricultural civilization Chinese farmers or entrepreneurs less feudal ideology and culture consciousness of loan words is still ingrained. 1., the traditional and simple financial culture breeds a single and low level of rural financial demand. The lack of financial education in rural areas, lack of modern financial products and services, they do not know what they can get financial services, is not actively seeking more appropriate price of financial services, not to mention the promotion of financial product innovation