The Research on the Non-Equilibrium Performance and Its Influences of Rural Financial Products Supply and Demand in Shaanxi Province

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 financial institutions can’t meet the needs of rural economic development,rural financial services can hardly match the contribution of outputs of the rural areas,fund needs of modern agricultural development can’t be satisfied,rural financial institutions’ financial services 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.