Research On The Supply And Demand Of Farmer's Microcredit In Changfeng

Through these years of practice,micro-credit is considered to have played a great role in improving rural finance,increasing farmers income and promoting rural reform.At present,with the acceleration of rural economic development and the state pays high attention to rural development.ChangFeng has responded positively to the national policy in recent years,focusing on the development of county finance,constantly exploring and practicing,and has initially established the "ChangFeng Model" of rural credit system.The development of characteristic industries in Changfeng,poverty alleviation in industry and Rural Revitalization all need financial support.Farmers' credit demand is increasing.Accordingly,problems such as insufficient credit supply,inefficiency and unbalanced supply and demand emerge.Based on this,this paper takes Changfeng as the research object,based on rural financial development theory and micro-credit theory,uses questionnaire survey,case analysis and analytic hierarchy process to study the development status of micro-credit of rural households in this region.Through the analysis of field survey data,it is found that there is a mismatch between supply and demand of micro-credit of rural households in Changfeng.The problems existing in the supply and demand of farmers 'micro-credit in Changfeng are as follows:(1)farmers' low educational level,lack of awareness of micro-credit information,lack of collateral and other self-problems;(2)the weak nature of agriculture,constrained by natural factors,market factors,policy environment,financial system and other external environmental problems;(3)the problems of credit product innovation lagging behind,capital outflow and other supply agencies.Based on the weight analysis of factors influencing supply and demand,this paper puts forward that farmers need to improve their cultural level and organizational level from three aspects:farmers,suppliers and external environment.Financial institutions need to innovate credit products and strengthen risk management according to the actual development needs of Changfeng.The government needs to macro-control financial markets.That is,to improve the present situation of the obstacles of supply and demand of micro-credit of farmers in Changfeng.Through the analysis of the supply and demand of micro-credit of farmers in Changfeng,and put forward relevant suggestions from three aspects,it has certain theoretical value and practical guiding value for better solving the problem of micro-credit of farmers in Changfeng,improving the access rate of micro-credit of farmers,increasing the income of farmers,and forming effective supply and demand.