Farmers In China Financing Difficulties Of Its Path

With China's rural economic reforming, rural households have become the economic mainstay. A large number of financial needs emerged in rural financial markets. However, the current rural financial system is not able to meet households' financial demand. Households' financial demand is seriously inhibited. The rural households more resort to financial forms which spontaneously generated in rural. This article researches rural finance from endogenous and exogenous financial interaction of the new financial perspective. We analyze the financial demand of rural households during the economic transition and "Bai Xin Pattern". We must be mobilized to address the plight of rural households and make the households becoming the main impetus in rural financial reform. Rural financial reform must be closely linked with economic development. Rural endogenous and exogenous financial ought to cooperate through competition and interaction.Paper is divided into five chapters :Chapter one is concerned with the theoretical foundation and researched perspective. First, we briefly remember the theory of financial development and rural finance. We thought that Financial Restraint Theory and Rural Financial Systems Paradigm are highly adaptive for development of China's rural financial market. Second, we study the existing rural financial perspectives that are curb market and civil official financial, formal and informal financial. The existing research perspectives don't describe well the development of rural financial.In chapter two, we want to research rural financial from new perspective. The contents are explored, which is from the new rural financial study of the financial perspective. On this basis, endogenous finance and exogenous finance are divided into three categories. The relationship between endogenous finance and exogenous finance is competition and complementarity.Chapter three is the analysis about the current status of households financing and...