Financing Of Rural Households

With the fast development of economic, as a relatively independent factor in economic, financing already transferred from being a medium in funds to promoting the development of investment, savings, resource allocation and other activities by the expansion and contraction of itself. Financing restricts and promotes the development of economy, it has become the core of "the modern economy"The lag of countryside urbanization, the scarcity of for-profit investment, the insufficient of funds in the countryside; The farmers’single way of financing, the narrow channels of financing and the high credit threshold make the financing for farmers more difficult; The small financing limit and the high financing cost make it hard to invest for the farmers, which make the funds inventory bigger and bigger, the farmers who come to secure loans less and less, the number of the rural credit cooperatives outlets smaller and smaller, farmers lending turns to be non-governmental, this is the so-called vicious cycle.The financing for farmers is suffering lot’s difficulties. Those farmers who constitute of the agricultural economy in China, can not get the funds they need, which directly impact the increasing of farmers’income and the development of agricultural economy.Government can not take out more money to invest in the countryside.With this situation, how to make the advantage of the market to solve the problem of farmers financing? Only we combine the characteristics of farmers’ assets, study the activities of farmer financing, can the market mechanism play its fundamental role in financing. This will make the funds have stronger confidence in agriculture, which will solve the problem of funs shortage. Shan Dong Province is a great agriculture province, the city of Dong Ying, which is part of Shan Dong Province, has a great development in agriculture in these years. This article takes Dong Ying city as an example, studies the problem of farmer financing in our country, which has great theoretical significance and practical significance. This article has six chapters in all. The first chapter is introduction, which narrate the purpose, the ideas and the methods of the farmers financing; The second article discusses the fundamental concepts of the farmers financing and the related theories, expounds the supply and demand theory of farmers financing, financing decision and financing risk; The third chapter studies the number of the farmers, the basic economic condition of farmers and the current condition of farmers financing, analyzes the behaviors of financing, studies the contribution of farmers financing to the development of the economy in the new countryside, studies the background of the farmers financing, the orientation of the farmers financing in the situation of construction of new countryside, learns the weak ability of the farmers financing, the prior ways of farmer financing are indirect, the direct ways of farmers financing are more and more mature, the disadvantages of capital markets and the other basic conditions; The fourth chapter studies the situation, the questions, the analysis of the reasons and the solution of the farmers financing in Shan Dong province, make a study of individual case and then find out the related solution of the farmers financing in our country; The five chapter studies the experiences of farmers financing abroad:use the ways of farmers financing abroad for reference:the private loan, the commercial lending, the way of financial market, the way of commercial bank, the way of government credit agents and the way of financial cooperation; Studying the current ways of the farmers financing those are available; The sixth chapter makes conclusion.