农村信贷供需均衡研究

资金短缺是制约西部农村经济发展的主要因素之一，千阳县是西部典型的经济不发达的农业县，农村信贷的发展对其县域经济的发展具有重大意义。但调查研究表明，千阳县农村信贷资金来源单一（主要为农村信用社），供需存在规模失衡和结构失衡，而且农村资金外流严重。这在西部地区是普遍现象。应建立和完善农村信贷体系，扩大信贷资金来源；建立外部资金导入机制，促进资金回流；优化农村信贷资金分配结构，努力实现信贷供需平衡。

Research on Supply and Demand Equilibrium of Rural Credit

Capital is one of factors which restrict rural economic development in west areas of China, Qianyang County is a typical county in the west areas which has backward economy, and the development of rural credit is of important significance to the development of county economy. However, the survey indicates that the loan funds of Qianyang County is simple and only comes from Rural Credit Cooperative, and its supply and demand are imbalanced in scale and structure, furthermore, rural funds outflow is serious, which is ubiquitous in the west areas. China should establish and perfect rural credit system, enlarge the sources of loan funds, set up external funds accession mechanism, promote capital backflow, optimize allocation structure of rural loan funds and realize the balance of supply and demand of credit.