Study On The Problems And Countermeasures Of Farmer Private Lending In Binxian

Based on the theory of rural private lending with Chinese characteristics and the analysis of the shadow line mechanism of peasant household’s lending behavior,this paper designs the investigation scheme of peasant household private lending.Based on the investigation of micro farmers,this paper aims to understand the current situation and existing problems of private lending in rural areas of binxian county,grasp the problems in private lending of farmers in binxian county through empirical and normative analysis,and finally put forward corresponding standards and solutions.This paper puts forward the survey method and structure of private lending for farmers in binxian county,including the design of evaluation indicators,questionnaires,survey methods,sampling design,empirical methods,etc.,which provides the premise and foundation for future academic research and policy making.This study proposed the regulation and the solution to rural household private lending construction,for the rural financial products and services in the way of innovation to provide operational plans and reference models.In this paper,five samples were randomly selected from 17 towns in binxian county,and one administrative village was randomly selected from each village.Finally,the population of each village was taken as the weight,and the number of sample farmers was determined from each village,and the samples were randomly selected.A total of 302 farmers were investigated in this paper.The content of the survey includes the use of private lending funds by households in binxian county,borrowing time,lending interest rate,forms of guarantee and terms of agreement,etc.In this study,it is found that the private lending of farmers in binxian county is prominent in the following aspects: the excessive reliance of farmers on private lending for capital needs,the short-term phenomenon of private lending by farmers,the high interest rate of private lending by farmers,and the non-standard procedures of private lending by farmers.The main reasons for the above problems are as follows: rural financial ecological environment deteriorates;rural households have low financial quality;rural households have poor credit capacity;rural formal financial institutions have insufficient service publicity and the government has loopholes in the management of private lendingThe countermeasures and Suggestions proposed in this study to solve the problems of private lending of farmers in binxian county are as follows: firstly,the overall county financing mechanism of binxian county should be constructed;Second,we should strengthen the organization and management of rural private lending activities.Third,innovate the settlement mechanism of peasant householdprivate loan dispute;Fourth,we should establish and improve the mechanism of agricultural services in formal financial institutions.