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本文主要分析了现阶段农村金融需求特征、金融需求新变化,以及无效金融需求。分析表明:当前农村金融需求呈现多层次、高风险、缺抵押的特点,因无效金融需求而导致无法获得贷款的现象普遍存在。因此,根据现阶段农村金融需求新特征提出合理的建议,能增加农村金融需求主体贷款的可获得性。
This paper mainly analyzes the characteristics of rural financial demand, new changes in financial demand and ineffective financial demands at this stage. The analysis shows that the current rural financial demand presents the characteristics of multi-level, high-risk and lack of mortgage. Due to the ineffective financial demand, the loan can not be obtained universally. Therefore, putting forward reasonable suggestions according to the new characteristics of rural financial demand at this stage can increase the availability of loans to rural financial demand entities.