Farmers Loans Path

In the new century, the Central Document No.1 regarded rural issues for seven consecutive years as the country's top priority to building a new socialist countryside in China's modernization process, as a major historic task. However, due to the weak nature of the industrialization of agriculture, rural financial markets and the inadequacy of competition, farmers difficulty in obtaining loans has become a constraining rural economic development of the "bottleneck", the credit support for agriculture has become a new socialist countryside must face and solve problems.In this paper, rural finance theory, system analysis and local analysis to combine micro-analysis and macro-analysis method of combining use of the market equilibrium analysis, drawing on the basis of relevant experience abroad, combined with China's current economic and financial characteristics, Development of China's farmers lending, constraints analysis of farmers in getting loans made to solve the problem some suggestions.At present, China granted loans to farmers narrow the coverage of financial institutions, in the household lending in total loans from financial institutions accounted for less serious outflow of rural funds at the same time, farmers themselves are unable to provide effective collateral and guarantees. Leading to the above constraints there are two aspects:on the one hand there is the ideological bias of rural financial institutions, farmers apply for loans on insufficient staffing, the quality is not high, the credit system construction imperfections. On the other hand there is a big farmer credit risk loans, while private lending practices more common in rural areas.On foreign loans to farmers to solve the problem difficult to empirical studies, respectively, from national policy, practices and financial institutions practice of two fronts that the farmers need for government support loans and assistance, should build a reasonable division of labor, functioning rural financial system, At the same time improving the agricultural insurance system building.This paper to address the farmers in getting loans made recommendations, including: adoption of national development of preferential fiscal policy and monetary policy, to improve the rural financial institutions to provide loans to the enthusiasm of farmers; loans to farmers through innovative business model, sound management system for household loans, plus Large rural financial institutions, lending more support to farmers; through the establishment of risk-sharing mechanism, guarantee system, the banks internal control system, strengthen fanners lending risk prevention.