Research On Rural Credit Guarantee Mechanism In Tai'an City

Agricultural production is the biggest risk from natural disasters,but also face the risk of second agricultural products market,all these will cause fatal harm to small scale farmers,this is because the profitability of farm production units with low productivity low,agricultural products,agricultural products market is not affected by human,but due to the vast rural areas in China,people living in concentration,traffic and information flow between financial institutions and farmers,it is difficult to achieve information symmetry,will face in the course of financial credit to recover loans,loans difficult to achieve regulatory and other issues,which leads to should play an important role in agricultural production in the rural finance,but in the actual credit business,lending to farmers set various restrictions,or to guarantee farmers put forward higher.So,in practice,in the process of farmers' land and housing mortgage loans often value is down,and the guarantee amount is not high,it is difficult to find a guarantor to meet the requirements of farmers,one hand to get loans from banks,but it is difficult to provide high quality guarantee conditions;on the other hand,China's rural areas no funds of financial institutions to implement agricultural production service to.In order to solve the above problems,we need to fully study the reasons,current situation and difficulties of the rural credit lag in China,and actively explore effective countermeasures to solve the plight of rural credit guarantee.Based on the information,system and behavior economics theory as the theoretical basis of this paper,combined with the method of comparative study,historical induction,field research and other research methods,firstly build the rural credit guarantee theory research framework,and then to the domestic and foreign credit guarantee research for reference,field data,explain the reasons of rural credit in Tai'an the lag of status and difficulties,and actively explore effective measures to crack the plight of the rural credit guarantee.The main contents include: to build the rural credit guarantee theory framework;credit guarantee research at home and abroad for reference;the field data of reasons,rural credit in Tai'an lags behind the status quo and difficulties;analysis of reasons for the formation of the rural credit guarantee the plight of Tai'an city;analysis of influence of rural credit guarantee the plight of Tai'an city;countermeasure research the plight of the rural credit guarantee crack in Tai'an city.The main conclusions are as follows:1,the development of rural finance in China is still far behind the growth of rural economy.The contradiction and lagging of the two sides have affected the scale effect of rural area and the management level of farmers.Farmers' loans need to be explored in various ways including guarantee.Farmers' guarantee is reflected in the following aspects: Farmers' low level credit needs to provide guarantee for high capital needs,and farmers' guarantee is mainly against moral hazard and risk brought by agricultural operation.The difficulty of debt and debt performance depends on the quality of guarantee.2,according to foreign borrowing guarantee of successful case,combined with the Tai'an city farmers secured the necessity,according to the principle of financial guarantee of farmers,rural credit risk control based on the principle of good credit environment construction,farmer credit good,supporting the establishment and implementation of rural credit arrangements,take the credit for farmers rear support.3.The main problem of farmer's credit is the lack of guaranty,the lack of guarantor and the lack of guarantee mechanism.Tai'an farmers loan statistics found that in recent three years,the largest proportion of mortgage farmers' credit is,and a lot of other third party secured financing and farmers' reputation financing.4,the current guarantee problem of farmers is mainly from their own factors,because farmers do not have the nature of guarantee,but their inherent advantages are not played.Besides,the social level,insurance level and financial level,including the government,do not pay enough attention to farmers.They do not fully study farmers' credit strengths and weaknesses,and analyze their memory advantages and external advantages,leading to many factors that cause security difficulties.The model test of the estimation: farmers loan variables in farmers' family income variable index,education index,financial assets variable variables,whether or not to join the cooperatives of agricultural insurance index,variable variable indicators,evaluation index mechanism variables on loans to farmers in positive correlation with increase in this variable,increasing the likelihood of loan,loan amount also increased.