Research On The Balance Of Supply And Demand Of Rural Microfinance In My Country From The Perspective Of Transaction Costs

As a new kind of financial aid,the micro-credit has an immeasurable and positive effect on the farmers or small and medium-sized enterprises with strong financing demand in the rural areas of our country.As far as the current situation of rural microcredit development in China is concerned,although microcredit has to some extent increased the effective income of farmers,alleviated the situation of poverty,and provided important support for the growth of the total rural economy and the optimization of the economic structure.However,due to various reasons,the total amount of credit input of financial institutions increases slowly and the structure is unreasonable,the total supply of rural microcredit is significantly lower than the total demand and the fund gap is large,but the effective demand for formal financial institutions is insufficient,which can not meet the reasonable financial needs of rural economic development.This urgently requires us to effectively excavate the root causes of the imbalance between supply and demand of rural microfinance in our country,in order to promote the construction of an ideal system of supply and demand balance in the microfinance market,so as to give full play to the primary function of microcredit finance in helping the poor.Meet the financial needs of farmers or small and medium-sized rural enterprises to the maximum extent,promote urbanization and agricultural modernization process.So,what is the current situation of supply and demand of rural micro-credit in China at the present stage? What is the root cause of the imbalance between supply and demand of microcredit? The in-depth study of these problems is of great theoretical and practical significance to improve the difficult and difficult situation of rural financing,to meet the financing needs of farmers and small and medium-sized enterprises in rural areas,to promote social equity,and to realize the sustainable and healthy development of rural economy.In view of this,this paper studies both the theory and the model.First of all,through the review of the relevant research literature at home and abroad,the author finds out the existing problems and shortcomings of the existing research,and puts forward the innovation of the research methods and contents in this paper;and then,the present situation of the rural micro-credit supply and demand in China is analyzed systematically.This paper,from the two aspects of quantity and quality,expounds the concrete manifestation of the imbalance of the supply and demand of the rural micro-credit in China,and analyzes the causes of the imbalance of the supply and demand of the rural micro-credit from the supply and demand,respectively.Finally,based on the perspective of transaction cost,the dynamic evolutionary game model between supply and demand of rural microfinance is constructed by using the dynamic evolutionary game method,and then the dynamic evolution path of the imbalance between supply and demand of rural microfinance is analyzed.Thus proved the transaction cost to the supply and demand equilibrium fundamental action mechanism.The results show that the high transaction cost can lead to the evolution of the micro-credit market towards the non-profit market in a large probability,the result of the system evolution is not ideal,that is,the total amount of supply and the total demand amount tend to be unbalanced,and the low transaction cost can stimulate the supply and demand increase,The micro-credit market is evolving in an idealized market with a large probability,and the system tends to be at a high level of equilibrium.It can be seen that the government should take measures to reduce the transaction cost between the supply and demand,so as to expand the effective supply,increase the reasonable demand,and further realize a higher level of supply and demand balance of the micro-credit market.