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近年来,农村经济得到了长足发展,农村金融支持农村经济增长也取得一定成绩,但农村经济金融协调发展仍存在诸多不足。本文从衡阳市农村金融的供需特点出发,通过金融供需均衡分析,探析了农村金融存在问题,并提出相关政策建议。一、当前衡阳市农村信贷需求特点(一)规模化、特色化种养殖业农户的大额贷款需求旺盛近几年,除了从事简单、分散、传统的种养业的农户对购买化肥、种子、饲料、农药等的小额资金需求外,随着衡阳农业结构调
In recent years, the rural economy has made great strides, while rural finance has made some achievements in supporting rural economic growth. However, there are still many deficiencies in the coordinated development of rural economy and finance. Based on the characteristics of supply and demand of rural finance in Hengyang City, this paper analyzes the existing problems of rural finance through the analysis of the balance between supply and demand of finance and puts forward relevant policy suggestions. I. Current Characteristics of Rural Credit Demand in Hengyang City (I) Demand for Large-scale Loans for Large-scale and Special-breed Farming Farmers In recent years, in addition to simple, scattered and traditional farming and rearing households, Feed, pesticides and other small capital needs, with the adjustment of agricultural structure in Hengyang