Research On Chinese Agriculture Credit Subjects In The Credit Behavior And Credit Risk Assessment

China has broad farming area and huge agricultural products markets. Rural issueshave been extensively concerned by the public. The key to solve rural issues lies incontinuing to liberate the productive forces, realizing the faster and better developmentof rural economy. For a long time, owing to the looseness of agricultural organizationstructure, and the unstableness and mutableness of peasant credit, the difficulty ofagriculture financing has became a major bottleneck troubling the Chinese agricultureeconomic development. By clarifying the inner motive for the credit behavior ofagriculture organization based on the peasants, further constructing the credit riskevaluation method for the agriculture credit unit, this dissertation finally achieved thepurpose of easing the difficulty for agriculture financing. The research of thisdissertation not only benefits the finance institution in improving the quality andmanagement ability for the agriculture credit, but also can optimize the agricultureeconomic industry structure to some extent, and make positive contribution to thesolution of the rural issues.This dissertation took agricultural economic organization and peasant as typicalagriculture credit participants, from the perspective of political economic, statisticallydiscussed the historical evolution process and the correlations development status of“agriculture credit participants” and “agriculture finance institution”. Through fieldresearch, this dissertation analyzed the main uses and resources of agriculture loan inChina. After clarify the historical causes and current status of the difficulty of theagriculture financing in China, this dissertation separately discussed the credit behaviorand the agricultural related credit risk evaluation problem of the agricultural creditorganization of China from two aspects which includes “agricultural economicorganization” and “agriculture finance institution”.On agriculture institution level, this dissertation focused on the analysis of themarket status that the agriculture financial institution facing in agriculture credit, andanalyzed the features of the agriculture credit market under the exogenous condition ofcredit quota, and searched the characteristic factor of the credit market based on credit risk mutate.On agriculture credit participants level, this dissertation took agricultural economicorganization as main research object, divided the agricultural economic organizationinto “cooperative agricultural economic organization” and “enterprise agriculturaleconomic organization”, according to their organizational characteristic. Because that“cooperative agricultural economic organization” are mainly spontaneously found bythe peasants, with loose structure, the credit risk of this kind agricultural economicorganization is directly rooted from the interbehavior among the peasants in theagricultural economic organization and its loose structure. Thus, this dissertation usedgame theory to describe the credit behavior between the peasants, and discussed howthe credit risk of this kind of agricultural economic organization depend on the creditbehavior between the peasants, under a typical structure “joint guarantee mechanism”,and made a system stimulation on the effect of this type of agricultural economicorganization to the scale of the organization. For “enterprise agricultural economicorganization”, no matter what the inner structure and behavior the agricultural economicorganization has, this kind of agricultural economic organization will always show theircredit risk through a series of indexes, in this sense, the credit risk evaluation method ofthis kind of agricultural economic organization is similar to that of the generalenterprises. This dissertation according to the characteristic of this kind of agriculturaleconomic organization, creatively introduced the set pair theory to organically integratethe traditional credit risk evaluation methods, and make is more suitable for the creditrisk evaluation of the agricultural economic organization, and built a type of credit riskevaluation method for the agricultural economic organization. Then, in order to describethe credit risk change feature of the individual peasant, this dissertation applied themutation evaluation empirically evaluated the credit risk of the individual peasant.Finally, based on the analysis results, this dissertation provides some suggestionsfrom three aspects: agriculture credit market construction, rural credit systemconstruction and policy support, hoping that these suggestions can not only contribute tothe solution of “financing difficulty” for peasants in China, but also help to promote thedevelopment of the agriculture economy.