Farmer Credit Problems And Countermeasures Research Of Zhoukou City,Henan Province

The key to solve the problem of agriculture, rural areas and farmers is to improve farmers income increasing. However, with the development of science and technology, the farmer’s mode of operation is more and more diversified. Funds for rural economic development and the farmer’s business operation also becomes very important. Now, Farmers borrowing has the following characteristics, Farmers’funding needs is diversification, borrowing money small, short time limit, the rural financial market can be divided into formal financial institutions and the informal financial institutions, rural credit cooperatives in the formal financial institutions as the main power in the supply of peasant household loans, but as a result of rural credit cooperatives credit constraints is high,its own financial service level is limited, can’t better meet the diverse financial needs of farmers, in addition the informal financial institutions in the current rural present a non-standard status. Therefore, this article make Zhoukou city Hennan province as an example, discusses the characteristics of peasant household borrowing and analysis of existing problems, and for rural financial institutions to improve the efficiency, the improvement of the policy, the improvement of quality of farmers their business has certain theoretical and practical significance.This paper mainly use normative research, empirical research, qualitative research and quantitative research methods of combining, thesis the first part is introduction, mainly introduces the research background, research significance, the research both at home and abroad, the related concepts and research methods, for the whole article do macro guidance; The second part mainly introduces the related theory and principle, mainly includes rural credit subsidies theory, rural financial market theory, imperfect competition market theory, as the writer of the paper lay a theoretical foundation; The third part of analyzing the characteristic of the Zhoukou city peasant household borrowing development present situation, according to the field survey data, the analysis of features of Zhoukou city peasant household borrowing; The fourth part based on part of the descriptive statistics, analysis of problems existing in Zhoukou city rural lending; The last part of the article mainly discusses the full text is summarized, and aiming at the existing problem of Zhoukou city rural financial respectively from the farmers themselves, financial institutions, the government put forward the corresponding countermeasures. The idea of this article from Zhoukou city peasant household borrowing situation, analyzing the existing problems and reasons, in the process of peasant household borrowing in view of the problem put forward the corresponding countermeasures and Suggestions.This research mainly draw the following conclusion:(1) The peasant household borrowing capacity of Zhoukou city is insufficient, the farmer’s reimbursement ability and guarantee ability is limited, the farmers from the formal financial institutions "loans difficult" one of the important factors, in addition, farmers affected by education level is generally low, credit consciousness is poorer, leave a risk for the healthy development of the rural financial market.(2) The rural financial supply of Zhoukou city is shortage,The rural financial institutions less, financial products are also shortage, the low level of financial services, this mainly displays in financial products related to agriculture, financial service level is low, can’t effectively meet the needs of Zhoukou lending to the rural areas.(3) The rural folk lending of Zhoukou city is not standard, there is a big risk, threat to the economic interests of the farmers themselves; government regulatory gaps, the development of agricultural insurance cannot play an effective role, risk compensation mechanism is not sound.(4) Aiming at the existing problem of Zhoukou city peasant household borrowing,farmers should strengthen their credit awareness, change the traditional ideas, financial institutions should increase financial knowledge propaganda, develop more agricultural products, improve the efficiency of office to borrow at the same time, the government should give full play to the leverage of financial capital, promote the diversification of rural financial institutions, at the same time to guarantee problems in farmers loans.