On The Countermeasures To Perfect The Construction Rural Credit Project Analysis

The current lack of rural credits is one of main reasons causing credit rationing in the rural credit market, and the deficiency of credits causes the high bad loans in rural financial institutions and the insufficient supply of rural finance so as to impede the further development of rural economy. Therefore, enhancing the credit awareness of peasant households and building the good rural credit system is beneficial to lower the transaction cost of rural financial market, promote the successful operation of transactions and improve the operating efficiency of finance; it also facilitates to increase the supply of rural financial institutions to rural financial markets, buffer the credit rationing problem effectively and promote the rural economic development.The paper starts with reverse options and moral risks of peasant household credit, credit quota problem of peasant household credit, the game analysis of peasant household credit problems, methods to avoid reverse options and the game analysis of moral risks, searches solutions to avoid moral risks and searches the best choice between repeated game and increase of income payment. It gives the example of Xiuwen County in Guizhou Province, studies the construction situation of rural credit projects in Xiuwen County, analyzes and summaries historical backgrounds and realistic backgrounds of rural credit project construction in Guizhou Province and discusses a series of problems existing in the development of rural credit project construction in Guizhou Province. And it takes this as the starting point and puts forward strategies and recommendations on the improvement of the construction of our domestic rural credit projects from angles of avoiding reverse options and moral risks:it should enhance the transparency of credit information of peasant households and restrain reverse option risks; build the "quaternary"rural credit system and build the linkage system; increase the promise benefits of peasant households, effectively control moral risks, enhance the transparency of credit information of peasant households and restrain reverse option risks with the aim of providing beneficial references to further enhance the construction of our domestic rural credit projects.