Study On Rural Financial Supply Mechanism Based On Farmers Needs In Hebei Province

To eliminate the urban-rural dual economic structure, is a long-term tasks and goals of China’s economic reform and development. The development of China’s rural economic is far behind the city economy, the fundamental reason is the rural economy has serious shortage of funds, academically called "the rural financial gap".How to cut the rural financial gap, improve the rural financial service environment, meet the farmers’ financing needs, is the major issues of the party and government, as well as the majority of rural workers and theoretical researchers.Hebei Province as a major agricultural province, rural economic and financial development lags behind can not be resolved chronically.Based on this, this paper, with to meet the needs of farmers financing as a starting point, with financial development theory, the rural financial development theory as well as economic balanced development theory as the foundation stone, around the characteristics of farmers financing needs, the restricting factors which influence farmers financing requirements, the scale of rural financial gap and the development trend in hebei province, the problems of rural financial supply mechanism and so on to launch research.Firstly,based on the typical survey of part of the farmers in Hebei province,from financing purpose, financing scale, financing way, financing channels and the change trend.etc to carry out systematic research,summarized the financing needs characteristics and influencing factors of farmers.The results show that Hebei farmer financing needs at this stage showed the basic characteristics that the purpose of financing mainly for productive business, financing scale growing larger, financing ways tends to interest-bearing lending, financing channels mostly for private financing and so on; the farmer’s own cultural level ,professional skills, scale of land, type and so on will affect the financing behavior of farmers.Overall, the impact on farmers’ financing needs of farmers own factors mainly in the choice of the farmers’ financing channels, not significant impact on the total financing.Accordingly, we believed that the main factors affecting farm financing needs is not the farmers themselves, but rather the external financing environment of the farmers.Secondly, from the overall development level of the rural finance, rural financial gap and the rural financial institutions to empirically analysis the rural financial development status in Hebei province.The results show that:(1) The rural financial development level has been improved to some extent, but compared with the overall level of financial development in Hebei Province, there are still a big gap;(2) The rural financial gap problem is serious, rural financial gap exists for a long, and show a tendency to expand year by year;(3) The rural financial supply system in Hebei Province has a problem, the effect of supporting agriculture of formal financial institutions has not been fully realized, there are significant financial repression.Finally, on the basis of the in-depth analysis of the rural financial supply mechanism, proposed countermeasures to improve the rural financial Supply in Hebei Province.First of all, improve the rural social security system, enhance the ability of farmers to use financial services.Second, both from the stock reform and incremental expansion to build a multi-level, wide coverage, fully functional rural financial supply main.Finally, to speed up the construction of the supporting systems, optimizing the operating environment of rural finance.