| Peasant household financial demand in western destriction is the core of western distriction finance. Realizing the peasant household financial demand in western distriction is the standard evaluating the western distriction finance service efficiency, and the key of the western distriction finance reform. Being the economy unit, peasant household in western distriction combines produce and consume, being responsible for family safety and education management. Peasants'financial demand in the western distriction forms undeniable and potential market with huge scale and scattering amount. It becomes an important item for western distriction finance, that how to make peasant household in western distriction independent demander, and potential demand real product and service consumption.In western distriction, rural finance coexists with western distriction economy. Nowadays the initial multi-gradation finance service system has formed in western distriction. Providing service according to peasant real demand in western distriction can benefit western distriction financial reform. Analyzing peasant household demand in western distriction, constructing peasant household finance demand system, in the center of peasant household in western distriction, can improve peasant household weak state in western distriction finance market, and promote main body mind, and solve countryside, agriculture, peasant issues essentially, and accelerate western distriction economy sustainable development.Based on finance restrict and deepen theory, finance function theory, finance demand following and supply leading theory, peasant household financial demand in western distriction is defined clearly, and characters are analyzed. Peasant household financial demand in western distriction refers to the capital financial demand, in the condition of economics and capacity, in the form of concrete product and service demand. Its subject is peasant household in western distriction, and capital finance is the main content. Peasant household financial demand in western distriction reflects his combined ability. Its characters include scattering, non-commercial, objective and potential, multi-gradation, internal-finance, base on social capital and so on.Credit and risk are cores of peasant demand in western distriction, peasant in western distriction are lack of mortgage, so that manage risk and system risk are formed. Western distriction financial strait is credit strait in essence.Analyzing peasant household financial demand current situation in western district ion, there exist such problems: Peasant household financial demand cannot comply with the financial supply in amount and structure; the finance main body mind is weak; peasant loan demand cannot be realized. In conclusion, it is inefficient for finance service in rural areas.The multi-factors, restricting peasant household finance demand in western distriction, include internal ones, eternal ones and etc. Internal factors in western distriction include weak finance mind, single and scattering demand, social capital being edged, multi-gradation demand, single capital use and high capital cost; eternal factors in western distriction include odious nature environment, high loan interest, finance supply defect, finance biology-condition deteriorate, loss of rural insurance, absence of finance service, narrow finance market, weak credit and imperfect finance policies; other factors in western distriction include foreign bank intervene, peasant without land, peasants outside- working become main finance demanders.How to realize peasant household financial demand in western distriction, consist of expressing mechanism, information service mechanism, and demand realizing mechanism, assistance mechanism, maintain and deepen mechanism, assurance mechanism.The concrete methods in western distriction include peasant credit system in the form of bankcard, wireless service network with phone-bank, peasant-centered information statistic system, peasant-center multi-gradation financial system, risk defense and ensuring system, exit-system with land–market as main body.Evaluating peasant household demand items in western distriction include demand containment, production price, capital channel length and width, demand mention, resource precipitation ratio, interest rate and etc.In western distriction, peasant household is effective demander. Constructing peasant household finance demand system, in the center of peasant household demand in western distriction, is necessary to form perfect western finance market, promote western distriction finance reform essentially. Peasant household finance demand in western distriction is a constant process. Dividing peasant demand in western distriction into different steps, taking correspond policies, will match western distriction finance demand and supply.New rural finance organizations, such as village bank, Credit Corporation, rural capital-cooperation, emerge constantly in western distriction. How to realize their function, support them with capital and credit authorize, will prompt western distriction finance market. Valuing peasant outside-working and peasant without land finance demands in western distriction, taking effective methods to realize their demands, can provide western distriction finance organization with sufficient space for development. |
