Empirical Analysis On The Credit Rationing In Cenrtral Shaanxi Provinc

Rural credit rationing problem has always been an important issue of nationalconcern,and Shortage of funds has become a key factor restricting in the development of therural economy and farmers’ income levels improve. Theoretically,Finance is expected to bethe breakthrough to resolve the "Three Rural Issues". But the reality: Financialchannels become the way of mass exodus of rural funds, Rural economicentities "loans difficult" is a prominent problem, The new rural construction urgently need toincrease investment in rural credit. How to build a long-term mechanism for rural financialinstitutions is an very important issue at present. Advancing the process of building amoderately prosperous society by CPC Central Committee, Building a newsocialist countryside is A major historic task.Recently, Countries actively guide thedevelopment of rural cooperative economic organizations, Improve farmers’ access tomarkets of the degree of organization, maintain and achieve farmers’ own interests,Increasethe intrinsic motivation of rural social and economic development. Rural cooperativeeconomic organizations as an effective carrier of modernagriculture, Provide the means ofproduction for farmers, Promote the popularization of science and technology, organizeStandardized production, Tissue Uniform sales, Reduce market risk, support Credit,Solve the problem of shortage of funds of farmers.people paid little attention to theproblem of Farmers’ financing. Rural cooperative economic organizations inGuanzhong region have made progress, the paper wiil study the situation Farmers inthe cooperative economic organizations to meet the borrowing needs and The extent ofcredit rationing for the welfare of farmers.The first part of the thesis introduces the background and significance of rural financing,the content of this study were defined, systematically expounded theChina’s rural cooperative economic organizations of farmers and of creditrationing problem in china and abroad, the research methods, the technical route and datasources and possible innovation point are introduced in the last.The second part of the thesis uses the theory of credit rationing, the theory of China’srural cooperative economic organizations, the theory of credit rationing problem under the influence of China’s rural cooperative economic organizations of farmers.The third part of the thesis through research data, select the sample, loans to farmersdescribed, and rural cooperative economic organizations were compared and analyzed.The forth part of this thesis uses econometric methods, chosing factors that may have animpact on farmers willingness, uses the introduction of the logistic model and probit model, atlast this part makes a empirical analysis of Central Shaanxi farmers’property e financing affectfactors.The fifth part of this thesis: Based on the survey data from the western rural areas inShaanxi, multinmial Logit model to be build, consider of the multiple factors, This paperanalyzes the role of credit rationing different income groups in rural income effect.The sixth part of this thesis offers a proposal of the Central Shaanxi rural financingpolicy recommendations based on the results of the analyzes, and models to improve and givea outlook in the research.The main conclusions of this paper:1.Different with traditional and intuitiveunderstanding, Comparison with the non-Participation in agricultural cooperative economicorganizations of the farmers, the level of financing of the farmers participating is inhibited,and is subjected to a higher degree of credit rationing.2.there is no Significantly differentbetween “enterp rises+peasant household “and other type of the rural cooperative economicorganizations.3: borrowing requirements are uncertain,as the Participants,and the farmers indifferernt groups affect differently.The empirical results in the rural income effect show that:(1) High-income groupssuffered more severe degree of credit rationing;Reducing the extent of creditrationing suffered,make middle-income households benefit and increase the ratioof high-income households Effectively, So well adjust income structure in rural areas;(2)Financial information can significantly improve the income of farmers；（3）Local privatelending plays an important role in the improvement of income and Income structureoptimization; It is a traditional and effective alternative to protect in China’s rural economicdevelopment.