| Credit is an old but modern topic. Study on credit issue is always going on. But the scope and depth of research on credit is very limited, especially during the planned economy times. One of the great difficulties, which is hindering agriculture and rural economic development currently, is that peasant households, township enterprises, mass-run enterprises and individual enterprises have difficulties to loan from bank, while agricultural bank and credit cooper tries refuse credit to them, even if they could. There are many theoretically and practical issue. It should be approached from two aspects. On the one hand, Based on Economic Organization Involving in Agriculture (EOIA) didn't gain good credit. On the other hand, the development of EOIA has been suffering increasing financial depression in recent years. Financing environment of EOIA doesn't widen with the pace of financial reform, even falls into increasing predicament. Effective financial supports possibly make EOIA get into market economy virtuous cycle. Therefore, probing financial supports system suitable for EOIA, reconstructing new type of rural credit relation, improving rural credit environment, and enhancing credit control level of EOIA are of great significance for promoting EOIA supporting agriculture and rural economic development effectively, increasing peasants' revenue and moving towards a fairly comfortable life. This article consists of introduction and 8 chapters.Chapter1, Introduction Firstly, it elaborates the theme, purpose and significance of selecting this topic. Secondly, it comprehensively and objectively outlines and assesses the trends of study on credit, the function of credit, rural credit and financial support, credit construction and management of domestic and abroad. It also points out the weakness of current research. At last, it outlines the thinking, methods and innovation of this article.Chapter 2, Theoretical Basis for Credit This chapter emphasizes on theoretical research. First, based on expounding the origin and development of credit, it reasonably delineates relative definitions of credit, such as connotation of credit, essence of credit, financial credit, honest credibility, relationship between credibility and credit, credit structure, credit mechanism, credit system and credit relations, etc. Second, it analyzes relations between cost and benefit of credit resources, credit demand and supply. It concludes that imbalances between credit demand and supply of EOIA in our country embodies a concentrated expression both on monetary fund credit and farm produce supply and marketing. On the other hand, contribution of credit to economy and social development embodies in many aspects. We firstly explore the contribution of credit to economic growth directly, and try to induce main points of the contribution to provide theoretical and thought foundation for credit promotion and financial supports for EOIA. But that between the EOIA and finance is very special, thus, these theoretical research will produce important inspiration and guiding significance for EOIA to construct reasonable credit mechanism, rationalize credit cost-benefit relation, solve credit imbalance between supply and demand, and effectively arrange financial support mechanism.Chapter 3, Financing Credit Relations between EOIA and Formal Financial InstitutionIn this chapter, it firstly delineates connotation of EOIA quantitily and qualifiedly. Secondly, it analyzes financing methods and credit status quota of EOIA comprehensively in terms of positive. Then, to start with information theory in financial trade, it explores the causes of credit in financing predicaments and restrictive factors that our EOIA is facing. One is institutional factors. Our financial system is seriously distorted. Given no government vouching for EOIA, credit system lacking raises bank loan standards. The other is to reconstruct balanced credit rationing model, which interest rate and non-interest cost affect, on the basis of documents about balanced cr...
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