Research On Western Farmers’ Credit Exclusion Situation And Influence Factors

In recent years, Chinese farmers have growing demand for living and production and operation of funds, but quite a number of farmers have difficult in entering the rural financial system in order to obtain effective financial services, have been excluded from formal financial institutions, in credit exclusion. Analyzing the influence factors of farmers’credit exclusion, exploring corresponding solutions, to promote economic and social coordinated development has positive significance.Thesis research idea is:first, combined with previous studies, to define the concept of financial exclusion of geographic orientation of financial exclusion and multidimensional, summarized the characteristics of analysis, and put forward the six dimensions of determination with Kempson theory as the basis of credit exclusion classification in this paper. Second, the research on the present situation of domestic and foreign relevant financial exclusion system carding and comparison, summarized the domestic and foreign financial exclusion by the degree and the characteristic; Studies of financial exclusion factors at home and abroad, provide a reference for this paper, the factors affect the establishment of the. Again, analyze the present situation of China’s farmers to obtain financial support from the view of the reverse of credit exclusion, analyzes the present situation of our country peasant household to obtain financial support, from one side reflect farmers great difficulties in getting credit, credit exclusion problems. On the research design, to perfect design of peasant household credit exclusion Wang Xiuhua model, forming credit exclusion recognition mechanism, this paper study of financial exclusion factors at home and abroad for reference, establish the influence factors of design in this paper. Design questionnaire, and carries on the data collected by means of peasant household survey. Finally, empirical analysis was carried out on the survey data, described the western peasant household credit exclusion of condition, using ordered multiple choice model to measure analysis of sample data, and according to the results of the empirical analysis in this paper, the research conclusion, put forward the corresponding countermeasures and SuggestionsPaper’s main conclusions are:(1) Most of the farmers in Chifeng are affected by different degree of credit exclusion, with complete credit farmers suffered exclusion type more for the price, the marketing conditions of rejection and exclusion.(2) The financial institutions to provide loans to farmers there is a high interest, small loans through, loan time limit is not reasonable, the problem such as loan program trival, in view of the peasant household loans the guarantee mechanism is yet to be perfect.(3) By credit exclusion in affecting farmers variable, householder age had a significant positive effect on peasant household credit exclusion situation, head of the household level of education, family members whether to have special skills, whether planting large or large, annual household income, fixed assets of production, life and home values have significant negative effects on peasant household credit exclusion conditions.Trough the above research work, the main conclusions are as follows::(1) Financial institutions should provide different financial services for different types of farmers, so as to improve the pertinence and effectiveness of financial services.(2) The government should establish a unified rural credit system as soon as possible, for the majority of farmers to establish perfect information platform, to all kinds of financial institutions to provide information that is relevant to farmers to increase farmers gain access to financial services, eliminate the information asymmetry between financial institutions and farmers, to reduce the transaction costs in financial markets, fundamentally ease and improve the credit farmers exclusion.(3) The farmers should improve their level of education, actively carry out the production and business operation activities, improve their skills, in the process of credit strictly "credit and honest", in order to improve the financial institutions of peasant household credit.