Farmers Credit Behavior In China

The credit is both ancient and the modern proposition, and research never interrupts, but at today, the credit research breadth and the depth are quite limited. Current hinders one of our country agriculture and rural economy development significant difficult problems, is farmers loan is difficult, the rural enterprise, privately operated and the individual enterprise loan is difficult, but Agriculture Bank, the credit association pity the loan actually. The exploration suits farmers economic organization the credit behavior financial backing system, reconstructs the new rural credit relations, improves the rural credit environment, raises farmers credit administration level, to promotes the financial department effectively to support the agriculture and the rural economy development, has the important practical significance and the theory value.This paper frame take the credit concept limits as farmers credit behavioral analysis logical beginning, in comprehensively inspects farmers credit behavior characteristic in the foundation, then and the non-regular financial organ credit relations qualitative launches the elaboration from farmers and the regular financial organ, key through the system, farmers received farmers credit transaction contract model which and determinism anticipated, the rural finance did not construct to explain farmers credit behavior mechanism, finally, proposed optimized farmers credit behavior the policy suggestion.Chapter 1: Introduction. The paper sets out the selection of subjects background, purpose and significance of the study, research ideas and methods, as well as reviews and research papers possible innovations.Chapter 2:Farmers credit behavior theoretical foundation. This chapter analyses the rich content of credit, and credit related derivative; Credit system, credit modality and credit forms tool, explore the farmers credit acts of the social, ethical and institutional basis on farmers credit act, focus analyze farmers credit act which contains the contents of economics; Systems, information and the game to reveal family farmers organizations based on kinship relations and mutual trust between the farmers credit and the system of economic organization in existence, the final analysis of the effects of acts of farmers credit.Chapter 3:Chinese farmers credit evolution. This chapter first contract from the perspective expounded China's farmers credit logical evolution of the main acts, and then...