The Research To Some Relations In Credit Load For The Peasant, The Rural, And The Agriculture

This passage originates from the slogan of constructing communism new village and building harmony society. It reveals the serious problem of supporting development of the peasant, the rural, and the agriculture by listing the last ten years' fund data, and shows some measures to deal with the problem. Especially, it introduces the origination and function of rural unofficial finance and guarantee agent in details under the condition of official finance reducing the service network in rural. By contrast, it shows the character differences on time efficiency, loan cost, quantity, risk, info symmetry, and load interest rate of official finance and unofficial one. With the guarantee agent, the peasant has more access to get the load. But there are two different agents: one is directed by government, the other is running for profit. The passage uses dynamic game theory to analyze the triangle relationships of the peasant, the agent, and the bank, and then gets the balance result. In the text, three provinces respectively chosen from eastern, central and western as typical examples, they have different situations, and need corresponding guarantee agent. At last, it summarizes the two triangle relationships in the course of credit in rural, and puts up some suggestions for improving and strengthening the credit acquirement.