The Transformation Of Peasant Household Credit Consciousness Effects On Rural Credit Model And Its Performance

Rural finance plays an important role in rural economic development. Based on the core issue of rural finance, credit and credit performance as the breakthrough point, from the perspective of peasant household credit consciousness transformation to study the model transformation of peasant household credit consciousness for credit and credit performance, the influence of borrowing in order to find out the farmer credit availability and performance of the key factors, thus for financial institutions, financial products innovation and government financial policy to provide ideas and basis.To summarized the research status at home and abroad, and the deficiency was reviewed, the main research contents of thesis is based on consciousness of peasant household credit transformation, describes the characteristics of the traditional consciousness of peasant household credit, credit consciousness transformation of internal and external motivation and the characteristics of the transformation of the current our country peasant household credit consciousness, through to the exposition of peasant household credit consciousness, clear credit consciousness and the relationship between the credit relationship is, at the same time, at this stage due to the loss of traditional credit consciousness and modern credit not completely set up this kind of situation, there will be some credit paradox: credit inefficiency, inadequate supply, information asymmetry problem. At the same time, however, the credit development and on the credit consciousness transition has the opposite effect. And then, in view of the credit consciousness in the continuous development of the corresponding development of the mode of credit in relationship, puts forward the transformation of peasant household credit consciousness and credit outlook of schema matching, is given priority to with mortgages and credit credit mode will be the future development direction of the credit.In the performance of credit consciousness and credit relations, the paper USES empirical analysis and statistical analysis, the method of data is used in the article through to the jilin province 55 village farmer’s field survey, investigation, a total of 400 questionnaires, the actual for 388 effective questionnaires were taken back. Through statistical analysis and using the logistics empirical analysis method to study factors affecting the performance of peasant household credit. The results show that the money order and also borrow money order as the independent variable for credit performance has a significant impact on farmers, and modern credit consciousness of peasant household credit performance have positive positive impact. Thus for farmers problem provides a good financial repression, and proved that the transformation of the credit consciousness, the absence of public credit consciousness is likely to be a major cause of rural financial repression, the future policy guidance and product design for us to provide the enlightened thinking, the construction of credit system, group lending, collectivization, the supply chain can effectively promote the farmers from the traditional private credit to open under the condition of market economy the transformation of public credit consciousness, the transformation itself can improve farmers access to loans.