Research On Rural Financial Demand Of Huaiyuan County

County economy is an important part in China’s economic system, connecting the villages and cities, whose economic development not only help to ease the urban-rural income gap, but also are of great significance for promoting the construction of a new socialist countryside and a harmonious socialist society. The economy is the basis of finance and finance has the promoting effect on economic development. However, the county economy is shortage of the support from the rural finance, which induces severely lose of rural financial resource and does not meet the financial demand of the rural economic entity. In order to solve this problem, the reform on rural finance was on the progress by the government, taking a top-down "mandatory path ".Its content include to utilize the formal finance such as the Agricultural Bank of China, rural credit cooperatives, agricultural development banks and rectify the non-formal financial institutions. With the development of the rural economy, the rural entities subject to the diversification development. The rural industrial structure develops from a single direction to the diversification development and the rural financial needs show the diversified situation. Therefore, in order to fundamentally improve the rural financial system, carrying out the reform of rural financial institutions, it is necessary to think out the demands of the rural economy and boosts the development with the demands.Overall, the thesis can be divided into six parts:The first part is the introduction, which mainly introduces the research background, research purpose and meaning as well as significance of domestic and international research trends, research methods and ideas, including the possible innovative points and inadequacies.The second part is the relative theory for rural financial demand. It gives the definition of the rural financial needs, introducing financial repression, financial deepening and financial theory of constraints, theory of financial functions, financial supply leading and demand following the theory. The third part is the rural finance and rural finance development status of Huaiyuan County. Based on the Huaiyuan County economic and financial development reality, it analyses the overall situation of the Huaiyuan County rural economy and rural financial development, pointing out that the rural economic development will endogenously produce many diversified entities of the rural financial needs.The forth part is the rural financial demand analysis on the Huaiyuan County. With on-the-spot investigation and the survey data from the people’s bank of Huaiyuan County as the basis, it analysis the financial needs of farmers, rural enterprises and rural infrastructure construction inside the county, pointing out the new trend of the rural financial demands and focusing on analysis of the funding needs of the rural water conservancy construction.The fifth part is the financial needs satisfaction on the Huaiyuan County. With the inhibition of demand, supply-inhibition, mixed type inhibition as the theoretical basis, based on the realities of supply and demand of rural finance, it is difficult to meet the main financial needs of the rural economy. The emergence of private lending is a supplement to formal financial, to a certain extent, which eases the shortage of funds. Due to the own limitations, it should be guided and makes it normatively develop.The sixth part is the policy proposals for promoting the rural financial needs satisfaction. According to the real situation in the county, the thesis has proposed the suggestions with two aspects, which increase the supply of the rural finance and activating the financial demand of the rural economy entities.