Study On Rural Household Microfinance Supply And Demand With The Goal Of Inclusive Financial

The financial and economic development is closely linked, in the new period, the development of the rural economy puts forward new requirements on the rural financial services.With the further deepening of financial reform, the rural financial services structure has formed preliminarily in China. The central number one file of the previous year attaches great importance to the rural financial problems, repeatedly mentioned to increase farmers’ income, narrow the gap between urban and rural, increase the intensity of the rural financial reform and solve the coordinated economic development of rural finance and rural economy. However, there are many issues in the financial system Development in our countryside: such as difficult to meet effectively the financial needs of rural areas, low network coverage, farmers "Loans Difficult" and etc.Mainly starting from the demands for inclusive finance made by farmers in Lin’an areas, this article combines the supply of microfinance for Lin’an agricultural credit cooperatives, the five towns in Lin’an area 165 sampling of peasant household survey data as the basis, using the qualitative and quantitative analysis methods, to supplying – in both aspects of demand to analysis,to understand Lin’an inclusive finance the implementation present conditions under the new situation, analyzed the main problems of small loans, and put forward policy Suggestions to promote the development of microcredit, in order to promote the development of the rural society,increasing farmers income, to provide theoretical guidance and policy basis.This paper summarizes the main conclusion: first, the rural financial institutions coverage is not comprehensive, not work adequately to feed the financial demand of rural household and the extremely active rural folk lending. Second, the loan products of rural credit cooperatives very single, is difficult to effectively meet the demand for loans of farmers multi-level and diversity.Third, from the perspectives of the farmers who already granted a loan, rural credit cooperatives to improve their loans services really played a positive role, promote the rural economic development and improved the living standards of farmers. Fourth, the microfinance process Settings of rural credit cooperatives should be further perfect and the sustainable development of its capability has yet to be enhanced further.In order to improve the level of microfinance service, should continue to deepen reform of rural credit cooperatives, to satisfy the farmers’ basic needs as a starting point, innovative financial products, design the specific products with regional characteristics, simplifying the business process of microcredit, improve the level of microfinance support agriculture, meet the diversified demand for loans to farmers, gradually perfect the rural financial system, strengthen the ability of the sustainable development of rural financial institutions inclusive finance.