Study On The Construction Of Rural Credit System

Credit is an old and modern proposition, on which the research has been a long time, but the breadth and depth of credit research is quite limited. In recent years, the academia put more energy to researching on the construction of enterprise, individual and the social credit system, but fewer on the rural credit system. Especially the present, Chinese Agriculture, Countryside and Farmer issues are getting worse, which have become the bottleneck of the national economic and social development, while an important reason of constraint "Agriculture, Countryside and Farmer" issues bottleneck hard to break is that the funds for farmers and SMEs in rural areas is difficult to effectively meet, which includes a deep-seated reason which is that China's rural credit system is not perfect, therefore it has a directive significance and value to construct a consummation rural credit system mode which adapts to China's national conditions, to rebuild new rural credit relations, to improve the rural financial development environment for alleviating the financial strain on the agriculture and rural economic and social development and promoting farmer income, to accelerate the development of SMEs in rural areas and to promote new socialist countryside construction. This paper specifically includes the following five parts:Chapter One:Introduction. This chapter described the background, meaning and purpose of the research, trends of domestic and overseas research, generalized the research ideas and methods in the text and explained the main innovations of this article may be.Chapter Two:It clearly defines the concept related to the credit defined, which lays the foundation for the following study;Chapter Three:In this chapter, it summarizes the status of rural credit environment, and analyses the cause of this situation using game theory then puts forward several key factors in structuring the rural credit system.Chapter Four:This chapter gives a comprehensive summary and analysis to the major barriers which restricts the structure of rural credit system, proposes the credit system construction model based on summarizing the foreign ones, and analyses the reasons for building this model. In the proposal of building a model of rural credit system based on the differences between the farmers and rural small and medium-sized enterprises, two different credit system models are constructed and gave further instructions for the relevant subject specific responsibilities in the specific operation. It proposes and constructs credit evaluation index system for the farmers, rural SME credit.Chapter Five:In order to improve our country's rural credit system, the chapter presents some countermeasures and suggestions, focusing on making sure the main roles and responsibilities involved in the rural credit system structure.