Studies On The Problem Of The Plight Of Farmers' Financing

Our country is quite obvious the urban-rural dual economic structure, the overwhelming majority of rural areas also in the low economic development level, farmers carrying on the scattered and small-scale management in general, farmers' financing having characteristics the small financing amount, high frequency, difficult management, higher risk and transaction costs, which determines the rural financial institutions away from serving the rural economy and the supplies of rural finance resources unable to satisfy and to adapt agricultural, the rural economic development actual need, farmers difficult to get financial support from rural financial institutions, resulting in farmers'financing. The plight of farmers' financing become the core question that restricts the farmers' income to enhance, hinders modern agriculture development, puzzles the rural economic development. Through studying on the plight of farmers' financing, resolving the plight of farmers' financing becomes the good plan to improve farmers income, realize the rural economy sustained growth and long-term development of agricultural modernization, and becomes advantageous actions to narrow the gap between rich and poor, plan the balanced development of cities and countries and build a harmonious society. Studying on the plight of farmers' financing has important practical and theoretical significance.In this study, from micro-economic subjects--farmer angle embarking, discusses our country the plight of the issue of farmers' financing. Firstly, systematic summary theories of finance development theory, the rural finance theory, the information asymmetrical theory, the transaction cost theory and incomplete contract theory, and so on, determine the theoretical basis of farmers'financing. Then, an empirical analysis to the relation from farmers'financing, agricultural growth and poverty reduction, reveals the importance of farmers'financing. Again, taking the Hunan Province QY County for example, analyzed the current situation of farmers' financing, from the wish, the goal, the channel, the risk and the effect of farmers' financing. Then, from the plight of farmers to the formal financial financing and the folk financial financing two aspects, analyze the performance of the plight of farmers' financing thoroughly. Subsequently, analyze the situation of farmers own endowment effecting on farmers' financing deeply. Using the multivariate logit model, the empirical study analyzes the factors affecting farmers' financing by QY case, and discussing the farmers themselves reason causing the plight of farmers' financing in depth from the macroscopic angle, in order to develop a more comprehensive understanding of the situation of farmers own endowment effecting on farmers' financing.Then, separately elaborated farmers' financing facing the rural finance system and the external environment. The rural finance system includes formal rural finance and informal (quasi-formal) finance two aspects, analyzing the role of each rural financial institution in farmers' financing, discussing current rural finance system impact on farmers' financing and analyzing the financial environment reason causing the plight of farmers' financing. Farmers' financing facing the external environment is an important condition for farmers' financing. From government policy environment, laws and regulations environment, rural credit system, agricultural insurance system, other external environment etc, analyzes farmers' financing facing the external environment.The activity of farmers' financing is a system, farmers themselves and financial organizations belonging to the system, while the external environment outside the system parts. If farmers themselves and financial organizations don't hinder farmers' financing smoothly, coupled with the favorable external environment, so farmers will be successful in achieving financing, and would not exist what the plight of farmers' financing. Finally, in order to achieve farmers'financing smoothly, increase farmers income, boost rural economy and even the whole national economy, puts forward the target-oriented countermeasures to resolve the plight of farmers' financing.