Studies On Borrowing Behavior Of Rural Households In China

Borrowing of rural households is always key and difficult problem in rural financial research. The research of the basic rule of borrowing behavior development and different in all type of them were conducted , these results would be useful to provide policy reference for rural financial system reform and be fulfill for household economics. The theory of rural financial,borrowing behavior and social theory were explained from rural households borrowing aspect. By history, the character of borrowing behavior were discussed theoretically by the debt fund resources, rate, period, scale, dependent to debt market. By present, the different of four type rural households borrowing behavior was analyzed. In addition, the borrowing behavior of three regions in china was compared. The main conclusion would be that (1) the main character of rural households borrowing behavior is short period, little scale, high rate, low level debt, needing debt for life, and deeply rely on private debt market. This character is not qualitative changes from ancient times to present. (2) The different of borrowing behavior of rural households express that the all characters of the east china are higher than the average level in china, the central and west china are lower than that. This situation has been remaining stable. (3) The scale debt of rural households is main different in borrowing behavior. The behavior form varying levels, so that we had concluded three sort borrowing behavior of rural households: passive borrowing behavior, conservative borrowing behavior, initiative borrowing behavior. Following the borrowing behavior is essential to satisfy the need of initiative borrowing behavior rural households, so as to apply tendency policies for conservative and initiative borrowing behavior of rural households, to enhance policy influence for area gaps in order to fit the need of rural households. The social tissue establishment and satisfied the debt need of workforce from rural area to lead the borrowing behavior. In order to stimulate demand of long period and large scale debt fund, Land-Finance System should be established. The main innovation points in this dissertation as the following:(1)Three types borrowing behavior of rural households would be suggested, that were the passive borrowing behavior, conservative borrowing behavior, initiative borrowing behavior.(2) Some indexes for analysis borrowing behavior of rural households were designed: Debt scale distribution rate, Tendency of debt applyment etc. (3) Making the research more systemic by analysis the rural household borrowing behavior from history and present angles. (4) It is necessary that demand-following and supply-following of borrowing behavior would be combined.