A Study On The Mechanism And Optimization Of New Farmers' Micro Credit Risk Mitigation Based On Social Capital

China is a large agricultural country,ingrained smallholder economy thoughts are with the rural financial system reform pedestria.In the rural social environment,the role of credit in rural household loans is particularly prominent.China rural social capital has its particularity,the establishment of social network relations in blood,kinship and geopolitical basis firmly contains "huge energy credit",the introduction of social capital into the borrowing of credit risk mitigation management,for the development of rural social lending model,it is a feasible way to alleviate one of the difficult problems for farmers.In this paper,we discuss the role of social capital in the optimization of credit risk mitigation mechanism of rural households from three aspects: theoretical model,case study and empirical study.Specifically,from the perspective of the social capital information acquisition mechanism,risk sharing mechanism and the default binding mechanism,the theory of social capital.Combined with the case and empirical results,on the basis of the existing farmers' credit risk management,this paper puts forward the optimization scheme of credit risk management system based on social capital.First of all,this paper analyzes the deficiencies of the existing rural credit risk system,mainly reflected in the lack of information sources,lack of technology and lack of collateral.Combined with the case of Zhejiang agricultural and commercial bank,the paper puts forward the role of social capital in rural households' borrowing.Secondly,based on the theory of information economics and game theory,this paper constructs an analysis model of the credit risk of farmers.Furthermore,this paper puts forward the theoretical framework of social capital for risk mitigation mechanism.Then,we use micro data to empirically study the effect of social capital on the slow release mechanism of rural households' borrowing risk,and establish the +logistic model of social capital.Finally,theoretical and empirical analysis of credit risk management based on social capital,put forward the suggestions to optimize the external environment of social capital based on the rural credit system of credit risk management and optimization suggestions including credit system,market supervision and legal environment.