The Equilibrium Analysis Of Yancheng Rural Commercial Credit Supply And Demand

Clear that the Five-Year Plan issued in 2011 to deeply reform of rural credit cooperatives, encourage conditional area county units for the development of rural community Banks, financial organization and small microfinance, improve agricultural insurance system, improve the rural financial services.In China, when indirect financing is in the dominant position, credit input will play a big role, especially for the development of rural economy. According to the current situation, rural economic actual development is suffering bottleneck of shortage of funds. Therefore, how to solve the difficulties of credit has become a problem we have to face during countryside construction.We have carried out a series of reforms in order to achieve a well-off society of the goal until 2020, intensify rural investment and financing system construction, leading to a diversified system of credit supply, ensuring the stable development of rural economy and increasing farmers’ income. Therefore, it has become an important issue that how to solve the contradiction between credit supply and demand, establishing scientific credit system.Learn from the past, supplies question in our country is a major issue which our rural credit cooperatives are faced. It is unable to meet the needs of the rural on the credit. Base on the actual situation of rural commercial bank of Huanghai. This paper will show in-depth and detailed analysis of the imbalance of credit supply and demand on credit operation and management, finding the root of the cause by a lot of research works. In order to solve the problem such as lack funds in credit markets, the contradiction between credit supply and demand, we should not only increase the total rural credit supply, but also meet the specific demand of the characteristics of rural credit cooperatives. Under the basis of complementary advantages on policy credit, commercial credit and cooperative credit, we can adopt effective measures to ensure the balance of credit supply and demand. We should take policy financial institution as a vital role in the rural economy construction so as to establish a multi-level, diversified credit supply system; to seek the support of national policy to relax the rural commercial credit, to strengthen rural commercial credit monitoring, with the prosperity of the market of rural commercial credit, fully considering the situation of demand of rural commercial credit and improve the environment of rural commercial credit.