CAJ | 학술논문

陕西省农村金融产品供给与需求非均衡总体表现为供给小于需求。通过农村金融相关率及农村金融融量缺口分析，本文认为院陕西省农村正规金融产品供不应求，但农村金融融量缺口比呈下降趋势，供不应求的局面在逐渐改善。农村民间金融也呈现供不应求局面，在供求总量、机构分布、服务对象、农户借贷用途及民间借贷利率等方面非均衡表现较为明显。农村金融产品供给与需求非均衡的主要影响包括院农村金融机构区域布局难以满足农村经济发展需要、农村难以获得与其产出贡献相匹配的融资服务、现代农业发展资金需求难以得到满足、农村金融机构金融供给难以支撑服务“三农”的任务、农村资金短缺与资金流失并存、农村金融难以满足建设“五位一体”小康社会的需要等。
합서성농촌금융산품공급여수구비균형총체표현위공급소우수구。통과농촌금융상관솔급농촌금융융량결구분석，본문인위원합서성농촌정규금융산품공불응구，단농촌금융융량결구비정하강추세，공불응구적국면재축점개선。농촌민간금융야정현공불응구국면，재공구총량、궤구분포、복무대상、농호차대용도급민간차대리솔등방면비균형표현교위명현。농촌금융산품공급여수구비균형적주요영향포괄원농촌금융궤구구역포국난이만족농촌경제발전수요、농촌난이획득여기산출공헌상필배적융자복무、현대농업발전자금수구난이득도만족、농촌금융궤구금융공급난이지탱복무“삼농”적임무、농촌자금단결여자금류실병존、농촌금융난이만족건설“오위일체”소강사회적수요등。
The non-equilibrium performance of rural financial products supply and demand in Shaanxi province is that the supply is less than the demand. Through the analysis on the rural financial correlation rate and rural financial capacity gap, the paper proves that rural formal financial products supply is less than demand, but rural financial capacity gap is declining, the current situation is gradually improving. Rural informal finance is also in short supply, and the non-equilibrium performance in the amount of supply and demand, institution distributions, service objects, the farmers’ borrowing purposes and the informal finance interest rate is obvious. The impacts of the non-equilibrium of rural financial products supply and demand include that the regional distribution of rural finan-cial institutions can’t meet the needs of rural economic development, rural financial services can hardly match the contribution of out-puts of the rural areas, fund needs of modern agricultural development can’t be satisfied, rural financial institutions’ financial ser-vices can’t support rural areas, agriculture and farmers, the shortage of rural funds and the capital loss coexist, and rural finance has difficultly in meeting the demand for the all-round realization of well-off society.