The Research On Peasant Credit Of Xingfu Village In Changchun

With the development of market economy, finance plays a more and more important role innational economy, which has gradually become the blood of modern economy. Whether therural economy can keep pace with the times or not, development of rural finance and rural creditare at work. Xingfu Village in Changchun of Jilin Province is the object of this study, which isone of the fastest new rural whose credit demand grows with each passing day. In this study,through the design of questionnaire on well-being of rural farmers to carry out questionnairesurvey, and based on the rural credit agency and rural the staff in economic departmentsinterviews to obtain information, anglicizing the current development of rural credit in XingfuVillage. Studying on the development of rural credit in foreign countries as well as its successfulexperiences has put forward the reasonable countermeasures and suggestions for problems.The main research contents and conclusions are as follows:(1) Firstly, summarizing the domestic and foreign research situation about rural creditproblems. Defining the related concepts of rural credit based on Marx’s theories on interestbearing capital, agriculture financing theory and in recent years more accepted incompletecompetition market theory as the theoretical basis of this article.(2) Secondly,132questionnaires were distributed in6villages to obtain first-hand data. In121valid questionnaires and the major financial institutions within the township of access,well-being of rural credit conditions are qualitative and quantitative analysis.(3) Based on the analysis of rural credit supply and demand in present status, rural creditsupply and demand in Xingfu Village are obviously imbalanced which are not adaptable andhave no efficiency. The contradictions and completeness of credit system needs to be improved.(4)To sum up the successful experience of developed countries and developing countries,such as American, Japan, India and Bangladesh Rural credit business development, and combinewith the actual situation of Xingfu Village, the author thinks that the optimization developmentof Xingfu Village rural credit needs to make efforts in the following aspects: improving the ruralcredit system of Xingfu Village; building rural credit environment; carrying out the transitiontraining, etc.