The Influence Of Interest Rate Marketization On Rural Households' Credit Behavior

Interest rate marketization reform in China has been completed,this means marketization interest rate system and mechanism determined by market supply and demand will be gradually formed.Under the circumstance,this paper established multiple linear regression model to study the influence of interest rate marketization on rural households' s credit behavior.The contents and conclusions are as follows:The first chapter told the research background and significance,reviewed the research literature domestic and abroad,illustrated the structure and the writing ideas,and pointed out the problems existing in this paper.The second chapter is theoretical analysis.This chapter sorted out interest rate marketization process in China and divided rural households credit behavior`s influencing factors into three which laid a theoretical foundation for the later research.The third chapter is empirical analysis.Established multiple linear regression modelt with rural households credit balance as dependent variable and its per capita net income,real interest rate,inflation rate and the deposit and lending interest rate differentials as explanatory variables.According to the statistical outcome from Eviews8.0,interest rate marketization shows significant influence on rural households`s credit behavior.The fourth chapter,combining with theoretical basis and the empirical analysis results,put forward suggestions on how to improve the sitution of rural households credit respectively from the viewpoints of rural households,financial institutions and government.The fifth chapter summarized the above research results,and pointed out the future research directions.