东篱科研大数据发现系统（DRDS）

位置：成果数据库 > 期刊 > 期刊详情页

陕西省农村金融产品供给与需求非均衡的表现及其影响研究

ISSN号：1001-6260
期刊名称：《财贸研究》
时间：0
分类：F832.2[经济管理—金融学]
作者机构：[1]西北农林科技大学经管学院西北农林科技大学农村金融研究所
相关基金：陕西省金融学会2013-2014年度重点课题“陕西省农村金融产品供给与需求的非均衡研究”的阶段性研究成果;教育部2011年度“长江学者和创新团队发展计划”创新团队项目“西部地区农村金融市场配置效率、供求均衡与产权抵押融资模式研究”(项目编号:IRT1176);西北农林科技大学基本科研业务费—人文社科项目“农村土地承包经营权抵押担保融资效果评价、运作模式与支持政策研究”(项目编号:2014RWZD01)的经费支持

中文摘要：

陕西省农村金融产品供给与需求非均衡总体表现为供给小于需求。通过农村金融相关率及农村金融融量缺口分析,本文认为:陕西省农村正规金融产品供不应求,但农村金融融量缺口比呈下降趋势,供不应求的局面在逐渐改善。农村民间金融也呈现供不应求局面,在供求总量、机构分布、服务对象、农户借贷用途及民间借贷利率等方面非均衡表现较为明显。农村金融产品供给与需求非均衡的主要影响包括:农村金融机构区域布局难以满足农村经济发展需要、农村难以获得与其产出贡献相匹配的融资服务、现代农业发展资金需求难以得到满足、农村金融机构金融供给难以支撑服务"三农"的任务、农村资金短缺与资金流失并存、农村金融难以满足建设"五位一体"小康社会的需要等。

英文摘要：

The non-equilibrium performance of rural financial products supply and demand in Shaanxi province is that the supply is less than the demand. Through the analysis on the rural financial correlation rate and rural financial capacity gap, the paper proves that rural formal financial products supply is less than demand, but rural financial capacity gap is declining, the current situation is gradually improving. Rural informal finance is also in short supply, and the non-equilibrium performance in the amount of supply and demand, institution distributions, service objects, the farmers’ borrowing purposes and the informal finance interest rate is obvious. The impacts of the non-equilibrium of rural financial products supply and demand include that the regional distribution of rural finan-cial institutions can’t meet the needs of rural economic development, rural financial services can hardly match the contribution of out-puts of the rural areas, fund needs of modern agricultural development can’t be satisfied, rural financial institutions’ financial ser-vices can’t support rural areas, agriculture and farmers, the shortage of rural funds and the capital loss coexist, and rural finance has difficultly in meeting the demand for the all-round realization of well-off society.

同期刊论文项目