The Factor Analysis Of Farmer’s Credit Availability

China is an agriculture country in the world. Agriculture, Village, Peasant are crucial problems. Agriculture, Village, Peasant problems have closed relationship with advanced village’s construction and moderately prosperous society. So this is a key point for rural economy’s development. Began from 2004, the central of CPC has published Agriculture, Village, Peasant problems as the NO.1 document continuously for 13 years, which shows the central of CPC’s attention to Agriculture, Village,Peasant problems. It is an important boosting fuel for rural economy’s development to solve Agriculture, Village, Peasant problems. Peasant holder is the major part of rural economy’s participant. Their incoming’s increasing has closed relationships with rural economy’s development. However, during China’s rural area, financing difficulty still restricts peasant’s positivity to work and peasant economy’s benefit. Furthermore, this situation cools down rural economy’s development. So research about elements for availability of China’s credit and debit and its mechanism has huge meaning for helping increasing income, enhancing rural financial market and developing rural economy.Dual-financial structure is a common phenomenon in developing country like China. So this essay starts studying from rural dual-financial structure perspective,combing with peasant credit and debit theory, dual-financial structure theory,information asymmetry theory and financial repression; furthermore, analysis elements of availability peasant credit and debit and draw affection element from huge literatures. This essay uses Beijing University’s data of China Rural Finance Survey at 2009. This survey starts its program from formal and informal finance channels and discusses elements of China’s availability of peasant credit and debit.Through empirical analysis, this essay get a conclusion that formal financial institution pay its attention at peasant’s Soft Information and peasant’s potential repayment ability which can be found in peasant’s basic information indirectly;meanwhile, informal financial institution is focus on loan for peasant’s non-agriculture applicant rather than peasant’s existing assets and incoming level.And there is a higher possibility for availability of credit and debit with huge number of kith and kin.This essay’s goal is to empirical analyze the elements which can influence peasant credit and debit under rural dual-financial structure background and proposerelative policy and suggestion for enhancing availability of credit and debit. This essay proposes suggestions for peasant, formal finance institution, informal institution and government; hopes enhancing financing environment for peasant; optimizes rural finance market; increases rural availability of peasant’s credit and debit. In a word,this essay hopes all of these goals can boost rural economy.