Research On The Factors Influencing The Supply And Demand Of Rural Ciredit Funds And The Rural Credit Model Innovation

Our government have been paying close attention to rural development.The report of the 19th CPC National Congress put forward that we should promote the simultaneous development of new industrialization,informatization,urbanization and agricultural modernization.Also,The No.1 Central Document has been attaching great importance to the three rural issues(agriculture,rural areas and farmer)for 14 years.On the macro level,In order to introduce state-owned capital and private capital into agriculture to develop rural economy and raise farmers' income,the government has introduced a lot of policies,including financial subsidies,tax incentives,etc.With the deepening of the precision poverty alleviation work,all sectors of the society are concerned about the development of rural undertakings and the improvement of farmers' living standards.The government encourages and supports different social capitals to enter the financial sector,to set up financial institutions and let them participate in the reform of China's financial system.The government hopes to provide strong financial support for rural economic and social development through the reform of the financial system.These reforms will help stimulate agricultural development,stimulate agricultural business and promote the large-scale development of rural cooperatives.This paper focuses on the factors influencing the supply and demand of rural credit and the innovation of rural credit model,paying attention to the current problems in the supply and demand of rural credit funds.In this paper,we analyze the factors that affect the supply and demand of rural credit from the theoretical perspective,and try to provide detailed research data for rural credit innovation.To finish the research,500 households in Dezhou were selected as investigation objects and an empirical analysis on factors that affect the supply and demand of rural credit had been made.Finally,this paper puts forward some countermeasures and suggestions for rural credit model innovation,and hopes to help develop rural economy and promote the development of rural credit.