| Peri-urban economy is between urban and rural economies and a complex between the economy, with the increasing size of the economic development of urban, close to the city's rural areas first to be affected, forming a special development area, namely, peri-urban economic circle. This region is from rural areas to urban areas in the transition phase, a mixture of 123 industries, the scope of economic activities, in a broader sense, is more closely linked with the urban economy, and in accordance with the urban expansion and radiation continue to grow and develop. Third Plenary Session of the Party's 17 from the cause of socialism with Chinese characteristics, and overall strategy for the overall situation of building a moderately prosperous society, depicting the building of China's rural-round well-off grand blueprint drawn up under the new situation to promote rural reform and development program of action. While peri-urban economy and to promote the building of new socialist countryside plays an active role in suburbs are often close to the city this particular location, access to information and resources that have comparative advantages, while peri-urban economies to take advantage of this advantage of the rapid development of and radiation to the surrounding rural areas, therefore, in the development of the rural economy, the suburban economy has played a role of a bridge bond and leading pack, research and develop peri-urban economy, especially the outskirts of the rural economy and in accelerating the pace of building new countryside, urban and rural the development of economic integration has a very important significance.Taking an overview of the rural economy and rural finance development, we can see that, despite the rural financial development on the rural economy has made great contributions, but the current increasingly accelerated rural economic development, the demand for rural finance increasing corresponding it is relatively backward rural financial system, which formed the rural economy and society in a prominent contradictions. Although the peri-urban rural areas with geographically and resource advantages, but it remains in the system belongs to the rural areas, belong to county-township-village structure, so the rural outskirts of financial resources is also facing some difficulties, shortage of funds is still that hinders the further development of the rural economy and people's living standards a major obstacle to further improve.This paper first defines the concepts suburban-based economy, from the geographical location and economic characteristics of the description of what is peri-urban economy, by quoting the views of many prior researchers, reflecting the concept of peri-urban community in the theoretical understanding of the process, and then combined with the author point of view, the definition of this paper will study the suburban economy-peri-urban economy means that people in the suburbs with the transitional nature of this geographical space vector of economic activity, refers to peri-urban areas of material production, distribution, exchange and consumption, and all other economic activities It is a cross between the urban economy and the rural economy, the area between the economy, both urban and rural economies, the combination, but also multi-sectoral economic integration in the suburbs. It then discusses the suburban economy, the status and role, as well as peri-urban economic development, the significance of urban construction.Next, this paper discusses the core issue of rural finance-household borrowing as a starting point. Lending practices on China's farmers, domestic and foreign scholars, the study focused on two aspects, first, and borrowing from the Chinese farmers to draw empirical analysis of the characteristics of Chinese rural households borrowing Second, Chinese farmers borrowing affect the factors that analyzed.This paper selected urban areas in recent years, the rapid expansion of the growing peri-urban areas in Leshan City, for example, through visits or peri-urban farmers in different economies, the survey analysis of Leshan City, suburban household's economic situation and financial needs, comparative analysis of income peri-urban farmers in different regions of savings method, savings purpose of expenditure, as well as the source of household borrowing, amount, duration, purpose, analysis Leshan City, suburban farmers lending characteristics. Leshan City in the area within the suburban farmers basically farmers, from the statistics point of view, their income is higher than the city average income of the farmers in the sources of income on the basis of regional economic development where the focus is different, some farmers to plant as a major source of income, some farmers with farming as the main source of income, some farmers in order to work as a major source of income; in savings, farmers in different regions have their own preferences, but the peri-urban farmers have long given up their traditional way of cash-based savings, have money deposited in financial institutions, of which the Agricultural Bank of China's most popular; Peri-urban farmers are mostly for the purpose of saving their children's education, pensions for old age and preparedness for accidents, which they believe their children's education and pension for old age is most important, and earn interest for this purpose can almost be ignored, peri-urban farmers also do not care about banks to adjust deposit rates, which is an traditional knowledge for the farmers there are differences; On the expenditure side, peri-urban households is also higher than the city's level of spending the average farmer, and a higher proportion of consumer spending, especially in the children's education and spending on medical expenses, accounting for key aspects of household expenditure; in lending, Most farmers do not borrow the family experience of the last three years, but some farmers are borrowing needs, regardless of whether the borrower experience, farmers are still inclined to borrow from relatives and friends, but under ideal conditions, farmers tend to borrow from banks.In this paper, local development status, households and financial institutions from the position of both analysis of Leshan City, trying to find the reasons for peri-urban farmers in getting loans. Farmers borrow more for consumption expenditure, financial institutions, are often because of financial security considerations, not the borrower; while financial institutions, from a cost perspective and the perspective of risk control is often required by the collateral, while the rural areas are often items that can be used to estimate collateral the value is very low, when the realization of loan defaults also more trouble, financial institutions are unwilling to accept such items; from a cost point of view, before and after the loan, financial institutions need to make a lot of investigative work to pay the cost higher, while the loan payments are often smaller in comparison with urban customers, farmers is less attractive, so Leshan City, rural credit Society for farmers loan interest rate floating rates of interest provided by People's Bank of 50%-90%, of which the ordinary farmer, general letter to users, groups, studies on the dangers farmers, the letter users, users believed village and township (town) level, respectively, the letter the user floating 90%,80%,70%,60%,50%; while the Agricultural Bank of Leshan City, farmers are basically wrong loan. Therefore, though the support of the new rural development policy to increase the "three rural" valid credit input, in fact, financial institutions, or acting as a "pump" This kind of role, micro-rational choice of the main result is that farmers are discriminated against an objective, there is the phenomenon of credit rationing on the market.Judging from Leshan City, infrastructure loans to total loans ratio of 20% or less most of the year, and is showing a declining trend. Industries from the resource allocation point of view, there are basic facilities and profitable industries disorders, a growing number of credit resources to the profitable industry, but for the basic facilities in rural areas is relatively small, there is a serious imbalance, has hampered China's rural infrastructure improvement. Investment in infrastructure in rural areas a long time, accounting for more than models, recovery slow and low profits, so the ratio of investment in this area is not high. From the configuration of the structure, then there is a certain "non-agricultural tendency" in the loan balance of rural financial institutions, the proportion of agriculture-related loans to lower the proportion of households received credit resources is far less than its right the contribution of the national economy.It then analyzes the peri-urban farmers are credit rationing causes. Some researchers information on the credit markets seen as the root causes of asymmetry in this paper that this is only the direct cause, it is innovations of this article. Between banks and farmers, the information asymmetry is particularly evident-farmers far more than their own understanding of financial institutions, loan officer can grasp the information, so that farmers can easily occur leading to moral hazard, while the financial institutions because of insufficient information, at a time when lending to farmers vulnerable to adverse selection, the ultimate bad bad debt losses suffered by financial institutions, the overall credibility farmers severely affected, resulting in addition to policy loans, financial institutions reluctant to provide other loans to farmers and farmers has also turned to private lending market. The cause of deep-seated sense of weak credit and peri-urban farmers, the existing risk-sharing mechanisms are inadequate and can not play their due role in resolving the credit rationing issues. Narrow the scope of policy-based lending, small-scale and slow growth, release non-standard, poor loan quality and sustainability, the role of agriculture is not obvious, a large number of rural economic development in much-needed agricultural infrastructure, agriculture, technical innovation, comprehensive agricultural development, water-saving irrigation, mountain development, science and technology development policy loans were not available; agricultural insurance is due to the high risk of low profits, lack of professional institutions and organizations of the system in some areas in the outskirts of the pilot implementation, the actual effect is not good, there is no play to ensure farmers income The role of growth and stability in the financial institutions seem to participate in the performance of insurance repayment ability of farmers are still not guaranteedFinally, the paper tries to solve the problem of credit rationing and development of peri-urban economic recommendations. The Government may consider starting from a sound financial infrastructure, improve the existing legal system and credit information sharing mechanism to combat evasion of bank debts, reduce administrative intervention, recovery and disposal of non-performing assets to improve the efficiency of the other in order to respect the market as the premise, through policy-oriented financial support to meet the borrowing needs of farmers to effectively compensate for the state's financial support for agriculture, cooperation, financial and commercial financing needs of the financial gap and promoting an increase in the supply of rural credit and the effective re-allocation of resources. Suburbs in the development of the economy, can play a suburban location, transportation, markets, capital advantage, and avoid weaknesses, adjustment of industry focused, the formation of a specialty economy.Peri-urban economy in the country is also part of new phase, but it has its good momentum of development are the concern of many experts and scholars, many local governments have also paid great attention to peri-urban economic development, will benefit peri-urban agriculture as a pilot base for the new policy, the study suburban economy, developing suburban economy will not only promote development of the city will also actively promote the building of new socialist countryside. |
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