Study On The Influence Of Rural Consumption Credit On The Consumption Of Residents

Microfinance is a kind of urban and rural low-income groups for the service object of small-scale financial services.Microfinance aims to financial services for poor farmers or miniature enterprise provides an opportunity to obtain employment and development,to promote its to the survival and development.It is a kind of financial service innovation,it is a kind of important ways of poverty alleviation.China introduced the status quo of microfinance to solve the poverty,played an important role on the development of rural economy,especially in improving the utilization efficiency of rural finance limited capital.Farmers' consumption level directly reflects the state of the economy in the countryside,the rural consumption level of correlation with the consumer credit in recent years,this article from the rural residents' consumption and analyzes the relationship between consumer credit.As one of China's Hebei Province,on behalf of the central plains provinces,rural population base,its relationship with the consumer credit consumption can be more objective responses the status of the national rural.Firstly,a comprehensive introduction to the theory of consumption,the rural consumer credit and the theoretical hypotheses currently countryside between the two;Secondly,and consumer credit consumption rural Hebei province for statistical analysis,based on data reflecting the consumption level of rural and urban there is a big gap between the level of consumption,and consumer credit in rural areas to long-term oriented;reuse of gray correlation analysis,the three stages of Consumer Credit undertaken gray correlation analysis showed that the first phase correlation degree there is a certain distortion value,and relevance of the third stage of consumption and conssumer credit gradually increase fully reflects the current situation,on the other hand the results of income resulting from the consumption far exceeded the impact of consumer credit caused by the consumption level;at the same time in order to prove the existence of a positive relationship with the consumer credit scale level of consumption,the creation of a consumer credit outstanding model to demonstrate,confirmed the choice consumer loans than household consumption household loans not to be high,and the higher the loan amount,the higher the level of consumption.In this model,select both urban and rural areas,as the survey found that two families were from rural areas and urban areas get the same amount of the loan if,the degree of improvement in the level of consumption of rural households are obvious.Finally,the level of consumption for the promotion of rural put forward some suggestions.The study results for our rural economy vigorously to provide a reference.