Expansion Of Household Borrowing Of Funds To Channel To The New Rural Construction

The supplies of the rural financial service are far from meeting the financial demand produced and improved their life by rural households and it has become one of the most important factors of restricting our country's economic development. Consequently, the system defect of the rural finance cannot be ignored and we should to expand the channel of capital borrowing and lending for rural households in the building of new villages, however there are few study about how to resolve the problem and the study about the problem focused in two facts, the first one is to describe the characteristics of the rural households' borrowing and lending behavior, the another one is to analyze the factors influenced the rural households' borrowing and lending behavior.There are four essential sections in this paper. Section 1, to introduce the reason for selecting the problem that is to expand the channel of capital borrowing and lending for rural households as the object of the study, defines some relevant concept, gives a summary about rural households' borrowing and lending behavior in the building of new villages. Section 2, to explicate the necessity of expanding the channel of capital borrowing and lending for rural households in the building of new villages from three facts which are the cultivating new peasants, increasing income of peasants and developing of agriculture. Section 3, to analyze the defect and reason resulted in the defect about the channel of capital borrowing and lending for rural households in the building of new villages from effect, defect and reason influenced the defect about the formal and informal channel of the capital borrowing and lending of rural households. Section 4, mainly explicates the countermeasure of expanding the channel of capital borrowing and lending for rural households from improving and innovating the rural financial service, improving competitive system and circumstance of rural financial market in the building of new villages.