Imbalance Between Supply And Demand In Rural Finance And Countermeasures

"Three Agriculture Problems"refers to the problems related to"agriculture, farmers and the rural area". It has always been China's fundamental issue which has to be solved and attended by Chinese governments. The 17th Congress of Communist Party and "Eleventh Five-Year Plan" proposed that building a new socialist countryside is a major historic task in China's modernization process. Finance as the core of modern economy, is an indispensable factor of the building of new socialist rural areas. The core method of solving"Three Agriculture Problems"is to increase the income of the farmers, means of realization is to nurture and improve the rural factor markets, promote the transfer of rural labor, ensure the stability of agriculture and its sustainable development, rural economic development, all of which directly or indirectly depend on financial development and support in rural areas.Because the existing financial system in rural China hasn't considered development level of rural economy and the actual needs of rural finance in an all-round manner,the reform of rural financial system mostly diversify the organization. It did not optimize the financial system .The needs on rural finance has been be neglected for a long time, It resulted in the imbalance between supply and demand in rural finance, and it also affected the whole function of rural financial system that should be well coordinatedThis article advance the view of diversifying the main body on demand for rural finance, the main body on demand for rural finance is not static, it is different during different economic development period. It is sure that the main body on demand for rural finance is a rural economic organization or a quasi-economic organizations during the current period ,It is made up of a single family and diversified family , And then this article put forward the demand of rural finance has obvious layer characteristics starting from the main body on demand of rural finance , A higher lever demand of finance can be stimulated until lower level demand of finance can be satisfied , It provides a consideration to satisfy the existing and higher level demand for rural finance. And then on the one hand, starting from the demand for rural finance, classifying in accordance with rural regional economic development level, it comes to determine the demanding goal of the main body on demand for rural finance of different economic development level ; on the other hand, starting from the existing supply of rural finance , according to the characteristics of the organizational model and operations,it comes to analyze the possible financial products offered by finance system and the service goal . Through analyzing the main body on demand and matching goals and the main body on supply and matching service goal , through the improvement of China's rural financial system, making clear positioning of financial institutions ,strengthening supervision of financial institutions,setting up rural financial system in various forms co-exist, regional rational layout, comprehensive coverage , moderate competition, flexible pricing will be a good method to resolve imbalance between supply and demand of rural finance in China .