The Study Of Private Loans In Village Of JiLin Province

Since the reform and open policy, the diversification which has managed along with the market economy development and the peasant household, the peasant household is day by day intense to the loan capital demand. Under the formal financial can not meet the farmer's demand of funds, private lending becomes a major financing channel. Through researching Jilin private lending behavior conduct, analysis farmers borrowing behavior characteristics, the scale factor of civil lending funds, and Siping City pear tree Rural Xiajia Baixin cooperatives case. This article research frame and the major point are as follows:The first part described the background and significance for the research and reviews the domestic and foreign present research situation, first This article has been reviewed summary on the literature related research, such as the form of borrowing features, functions; Secondly, then on the basis of summarizing the analysis of the literature, analysis the possible to affect the scale of civil farmer's borrowing funds.The second part, on the basis of of analysis of rural borrowing theory, defined the concept of borrowing. At present in China, there are many kinds of the concept of the folk financial, but still have no unified. To convenient this article studies, the paper divides borrowing into generalized and the narrow sense, and lends money in this article defined lends money in the narrow sense, thus summed up the characteristics of private lending.The third part, the status and characteristics of rural borrowing were analyzed in Jilin province. Short term loans dropped from the beginning of. Second, through analysis the civil farmer's scale of borrowed funds factor found farmers income, farmers operating. Civil lending rates to farmers scale civil borrow funds have significant positive effects. In recent years, commercial banks under credit centralized management, with banks, Rural credit cooperatives in the large merger of branches (see table 4.3), inevitably led to form the current rural financial borrowing "seller's" market situation. At present, rural credit actually only a main player in the rural credit cooperatives, In rural credit cooperatives to return to the real situation of the cooperative system, Jilin shares a credit cooperative relations between the farmers cooperative economic organizations -- Baixin cooperatives, this part has analysis the case of Baixin cooperative societies.The fourth part, the origin and the advantages influence which lends money to the Jilin Province countryside folk carries on the analysis. Prospers development gradually in the market economy today, as traditional financing of private banking, still have a certain market share in the rural areas of Jilin Province, its existence to society, economic development will play a positive role, which, of course, inevitably to the financial and economic and social development has some adversely affected. This part of rural borrowing positive and negative, respectively, were analyzed. Positive role in performance.In the rural lack of a formal financial circumstances, the folk finance becomes an important component of the rural finance market。Therefore it can not ignore its existence. But we understand the actual mechanism in the rural areas is not too much. This article based on analyzing Jilin farmers. Through above research, this article unfolded the Jilin Province countryside folk to lend money roughly the present situation, based on the above analysis, made policy recommendations.