The Research Of Rural Household's Behavior Of The Demand For Capital

Since reform and opening up ,with the development of market-oriented economy and multiple operation in rural area,rural household's demand for capital has greatly changed.farmers are "economic man".they need more financial services and financial support.However, as the financial development of the geographical structure, the development of urban and rural financial extremely uncoordinated, the financial dualism structure is very obviously, the financial repressions in rural areas was a serious problem.Financing needs of farmers from the formal financial channels doesn't better met, the informal finance timely "fill the seats", as the main channel for farmers demand for capital.This paper first analyse " rural households ", farmers can be divided into two categories: one category is small agricultural production rural households, and they mainly engaged in simple agricultural farming;the other is the commercial rural households, and their operation is sideline production, mainly exist in the rural areas of family SMEs. Then with the three villages of Fangshan District in Beijing as a sample, analyse the financing of acts of rural households, financing scale; at the same time, create a funding model to analyze the supply and demand in the rural areas of family choice of financing channels for SMEs. The main ideas and main viewpoints are as follows:The first part, the paper reviews the former researches,and raises a theoretical hypothesis.Firstly, the classification of fanners, different characteristics of the financial needs of farmers;the types ,characters,and functions of the informal credit is given;Secondly,factors that affecting the rural households demand of credit are analyzed; Then,the theoretical hypotheses are drawn.The second part, this paper analyzes the personal informal credit.Firstly, through the analysis of the survey, we know charaters of informal credit are as followmg,general,multiple,and flexible.Secondly, the farmers through private financing of the scale factor analysis, found that farmers production scale, the private lending rates on the informal credit have positive impact. But the farmers incomes have negative impact.The third part, analyse the demand for capital of rural family SMEs. I established SMEs demand for funds model, the informal finance capital supply model to analyze the reasonable significance of informal finance.The existence of the informal finance is fit with the characters of the rural family SMEs and meet their funding requirements.With the above analysis, we can have these research results and policy:First, as the specific needs of rural households for guidance and establish new rural financial service system with the "informance-policism-commercism".Second, correctly guide the development of informal finance, strengthen the relevant legal construction.Third, change the relationship of the government and rural finance.Fourth, construct a sound social security system in rural areas.Fifth,reform the land regulations.