Research On The Disequilibrium Finance Of Rural Area

Equilibrium Theory was often applied to the analysis of the economic problems in Neoclassical Economics. For the last forty years, the Disequilibrium Theory has emerged and been applied to the practice research. So, through the new method of using Disequilibrium Theory, the actual phenomenon of rural financial system is discussed in this thesis.The disequilibrium phenomena of rural financial system can be classified as three types. The first one is the disequilibrium of credit structure. The amount of credit demand is much more than that of credit supply, and a large quantity of demand can't be met. The second one is the disequilibrium of disposing of financial resources. The urban areas and other flourish areas can obtain more resources. But it's very difficult for the rural areas to get the essential resources. The last one is the disequilibrium of markets structure. Much financial business has taken place in informal market rather than in formal market. Besides that, almost all transactions are credit in financial market, which runs the more risks.The reasons, which lead to the result, originate from many things. Among of those, the control of the interest rate and the scales of credit is most important one. The other reason that the economic individuals don't pursue the most rewards in their operations because of government policies is also serious. Besides that, the reason that limitary energy of rural financial organizations can't be ignorable. All those have been thoroughly analyzed in the thesis from three directions, such as theory, history and reality.Based on the disequilibrium status quo and the disequilibrium reasons in rural financial system, a further opinion on the solution has been put forward in the thesis. Accompanying with the coordination of policy finance system, the market must be perfected more, which is the key to the equilibrium development of rural financial system.