我国农村金融供求失衡及其调节

金融供求失衡是指金融供给与需求不相适应,表现为金融供给大于金融需求或金融供给小于金融需求。中国农村金融失衡主要表现为金融供给小于金融需求,其主要原因在于农村金融需求的多样性与农村金融供给的单一垄断性的矛盾及农村金融改革的滞后性。调节农村金融供求失衡的主要措施是实现农村金融组织多元化,允许非正式金融在一定的秩序框架内运作,政府转换职能。

The Financial Imbalance Between Supply and Demand in the Chinese Rural Aeras and the Regulation thereof

The financial imbalance between supply and demand means that finance supply and finance demand aren't adaptive,showing that finance supply goes beyond finance demand or finance demand is less than finance demand.In our country the out-of-balance of rural finance shows mainly that finance supply is less than finance demand.The main reason is that the contradiction between the diversification of rural finance demand and the single-monopoly of rural finance supply,and the lag of rural finance reform.The main measures of adjusting rural finance supply-demand out-of-balance are that realizing the diversification of rural finance organization;allowing non-formal finance organization to exist in some order and government changing function.