The Research On Influence Factors Of Relationship Lending Which Resolves Financing Of Rural Households

As China's economy began to focus on rural areas, speeding up the development of rural economy and addressing the problem of the agriculture- countryside-farmer becomes a current major focus for government policy. Increasing the income of farmers is the core of the problem of agriculture-countryside-farmer, rural credit cooperatives as China's rural financial system core institutions which provides relationship lending can meet effectively the rural economic development funding requirements, while help improve the rural financial system.Existing in-depth study research abroad which includes mainly impact factors and adapting object of relationship lending ,and from pure theory to the quantitative analysis in a gradual transition, while research in domestic is focused on resolving the small the difficult problem of corporate finance by relationship lending, There is some research on between banking structure and the relationship lending, the domestic and foreign research faces the same problem which is lack of specific measures to address the financing dilemma by relationship lending, lack of ideas and methods to solve practical.And it is basically a blank in how to solve shortage of funds , which is going to solve the problem in this article.Because the loan conditions is great similarity for farmers and SMEs,after comparing the basic situation of farmers and SMEs, there is more advantages for farmers choosing relationship lending.farmers and rural credit cooperatives take a game analysis in lending, only in the cooperation and compliance the two sides achieve the aximization of mutual interest.With the constraints of rural economic development and financial environment, it is not optimistic on the financing of the current situation to farmers, mainly in micro-macro perspective, specifically in the farmers own shortcomings, asymmetric information,shortcomings of government and institutional,financial control and defect of financial architecture,the missing of social credit system.The article does a factor analysis on the features of production of"soft information", calculating factor score, Then it begins to establish a regression models from the factor which influences the production of"soft information",with the statistical data of the questionnaire,the empirical results show that the loan officer plays a decisive role in production of farmer's"soft information",therefore,it should improve the loan officer's ability of information productivity,and promote relationship lending for farmers.We cando efforts from four sections as following: improving the conditions of loans and credit mechanism,stepping up our efforts to promote the construction intermediaries system,vesting more jurisdiction to loan officer,strengthening the credit system of rural cooperatives,which is conducive to the development of credit itself,while increasing the income of the farmers,and promoting the rapid development of the rural economy.