| Under the background of China’s comprehensive construction of a moderately prosperous society and the successful completion of poverty alleviation,the Party Central Committee and the State Council have put forward the strategic deployment of rural revitalization.In the process of realizing rural revitalization,financial comprehensive support for rural industry,education and basic living security has become the key to China’s rural agricultural development,and has also become a key area to make up for China’s financial shortcomings.As a state-level deep poverty county,Huize County has achieved remarkable results in poverty alleviation,and since entering the stage of rural revitalization,it has rapidly promoted land circulation and large-scale industrial operation,and there has been a significant return of capital and labor.The new economic,industrial and demographic situation has given birth to new changes in rural financial demand in Huize County,which has a significant impact on the quantity,structure and form of financial supply,followed by new exposure to financial risks and new forms of risk manifestations.Therefore,conducting in-depth field investigation and research on the matching of rural financial supply and demand in Huize County,timely discovering the problems existing in rural financial development under the new situation,finding the causes of problems and putting forward countermeasures and suggestions,is not only conducive to promoting the development of rural finance in Huize County,but also has certain reference significance for guiding the development of rural finance in underdeveloped areas with similar backgrounds in China.This paper first sorts out and summarizes the research results related to rural financial supply and demand and matching at home and abroad,draws on the research idea framework,investigation methods and research tools of relevant literature,visits to 3 rural financial institutions in Huize County through visits to agriculture-related departments such as the National Development and Reform Commission and Economic Management Station,and conducts a questionnaire survey on 1229 farmers,54 contracted growers and breeders,and 16 agricultural-related enterprises in Huize County,forming first-hand information of the research.On this basis,the return of rural production factors in Huize County is systematically expounded,and the current situation of rural financial supply and demand in Huize County is analyzed.Secondly,the matching of rural financial supply and demand in Huize County was descriptively analyzed,and the matching degree of rural financial supply and demand in Huize County was further measured with the help of the supply and demand matching model(BSDM)in the field of public service products.It is found that there is a double non-match between scale and structure in the matching of financial supply and demand in Huize County,and there are also problems of information asymmetry and cognitive inconsistency in financial information and financial risk.Finally,based on the analysis of the causes of the problem,this paper puts forward suggestions for the coordinated development of financial supply and demand in Huize County from the aspects of guiding urban high-quality commercial banks to enter the rural financial field,improving the rural property rights system and trading market,government intervention in guarantee bridge for risk sharing,and readjusting financial infrastructure and personnel layout. |
