| Since four state-owned commercial banks have merged branch offices from rural areas large-scale, the supplies of formal finance are being hard up day by day, private loan presents tendency of accelerates to develop, and has been growing as one of the major means of funding in the rural areas and pastureland. While it has played a positive role in lessening the capital scarcity and promoting the economic development of the rural areas, it has brought about some problems. Therefore, it is urgent and vital to overcome these problems and maintain its positive function.The paper is on the basis of investigate and survey on Inner Mongolia rural areas and pastureland, analyses private loan present situation, traits and developing trend, anatomized its interest rate level profoundly. While private loan advances regional economic development, arouses economic and social problems. The paper analyzed existent reasons of private loan, finally combining with practical situation of Inner Mongolia countryside, put forward policy and advice of standardization development.The thesis consists of three parts which are sub-divided into six chapters.Part I(chapter 1-2), chapter 1 is a brief introduction of the background, objective, significance and method of the project, a summary of the findings achieved on this issue at home and abroad, lack and the possible innovation in this thesis. Chapter 2 defined private loan concept and had a summary of related theory. Firstly, it introduced previous scholars using the concepts of private loan, defined private loan's intension and extension in the paper. Secondly, it introduced production theory of private, interest rate level theory and regulation theory.Partâ…¡(chapter 3-5), chapter 3 introduced investigation and study situation of private loan in Inner Mongolia rural areas and pastureland mainly, analyzed private loan present situation, traits and developing trend using empirical analysis. Chapter 4 did correlation analysis of statistics and economics for interest rate level of private loan in rural areas and pastureland, got out influencing factors model of interest rate level of private loan. Chapter 5 analyzed economic and social problems caused by private loan, anatomized existent reasons of private loan.Partâ…¢(chapter 6) put forward policy and advice of standardization development related to especial economic situation of Inner Mongolia, private loan should not be eliminated but transformed standardized: Strengthen risk management of private loan, speed up development of rural financial system, process interest rate reform step by step.The conclusion of the research includes two points:1. At present, the existence of private loan has its sound reasons, it is an essential manner of funding and plays a positive role in the rural economic development, so the right attitude is to properly manage and standardize it rather than eliminate. 2. While standardizing private loan development, government should strengthen formal finance develop, make them service agriculture and animal husbandry, provide good financial support for economic development of the rural areas and pastureland. |
