Research On The Improvement Of The New Ways Of Farmers' Credit Collateral

Because of the consideration of agriculture and the information asymmetry of the rural credit market, Many farmers are refused by the financial institutions,they can't loan from the formal financial institutions,and they are facing strong financing constraints.It's not only restricted the farmers'enthusiasm of agricultural production inputs,but also weakened the foundation of the sustainable development of agriculture,which affacted the adjustment pace of rural economic structure.It's a new way of loans that Farmers credit with collateral,whose development is very important to realize rural financial and economic rapid development.In this study, first,on the basis of the definition of the concept and characteristics of farmer'credit collatera,analyzes the necessity of the farmer'credit collateral way,and based on the theory of farmers'credit collateral,put forward the innovation of farmers'credit collateral,then studied the innovation of the farmers'credit collateral ways in China.in the current,In reference to the international measure index system of the ability of rural financial institutions,Combined with the practical operation of rural financial institutions in China,On the basis of consulting relevant experts opinion at the same time,construt the index system to Measure the strength of the rural financial institutions implement farmers'credit with collateral,From the conditions of implementation,the process of implementation,and the effect of implementation three aspects.Among them, the conditions of implementation including the external environment, the conditions of institution and the other conditions of implementation.The process of Implementation including customer identification process,loan transaction process,and recycling process.The effect of implementation including the situation of services that financial institutions provided in the mortgage loan,the benefit of financial institutions,the benefit of farmers and the degree of farmers'satisfaction.And take an example of the hunan NCSY LY city bank,make an empirical analysis of the index system of the implementation efforts of new ways of farmers loan with collateral.Measure the situation of the implementation efforts of new ways of farmers loan with collateral in our country at present.The results showed farmers'credit collateral enforcement index is 51.37% in DY town of hunan province in the current,which is not fine now.The implementation of the farmers'credit collateral had achieved a certain but not fully effect because of the constraints of the development environment and conditions.Then Analysis the factors of it and the advantages and disadvantages of new ways of peasant household credit guarantee,and summarized the experience of the development.Finally, put forward Innovative ideas,countermeasures and Suggestions of promoting our country farmer'credit collateral.