Study On The Problems Of Farmer Folk Borrowing In Anda City

The folk lends money in the rural finance the long-time existence, it is to the regular financial organ supplement, has relaxed rural finance supplies total amount lacking, and it in aspect and so on market compatibility, region and information superiority had surmounted the regular financial organ.Presently, the countryside folk lent money has also caused many societies and the economic problem.The countryside folk lends money whether does the question solve properly, relates the general basic unit populace whether or not smoothly to participate in the fund directly allowing temporary credit the activity, satisfies the urgent life and the production demand.The party and the country perfect and perfect takes extremely to the rural finance organization, since 2004, the all previous years central committee first document all requests in the rural finance system to encourage in the system the innovation, in 2006 central committee first document explicitly pointed out in particular, must accelerate to advance the rural finance system reform and the innovation.In 2010 central committee first document proposed “promotes the rural finance grade of service and the level”.But these top-down policy design, stresses in the supplies compulsory system vicissitude, but has deference country by chance tendency, is not focuses on peasant household’s demand, in addition the peasant household lacks the influence, therefore caused farmer’s financial demand to lend money the demand in particular, no matter in the institutional framework from in the theory practice angle looked all has not obtained the full attention.The full text altogether divides into six parts. The first part is an introduction, mainly includes the background, the literature summarizes, the research goal, the significance, the content, the method and so on; Second part for concept limits and rationale; The third part describes the Anda city peasant household folk to lend money the present situation and the characteristic; The fourth part analyzes the question and the origin which the Anda city peasant household folk lends money; The fifth analysis overseas standard countryside folk lends money the related experience measure, summarizes lends money, meets the peasant household finance need to the Anda standard countryside folk the enlightenment model.In the above research foundation, this article at the end of proposed solves the Anda peasant household folk to lend money the question the countermeasure.The investigation discovered, the Anda city peasant household folk lends money the question important performance is: The peasant household call for fund relies on the folk to lend money excessively, the peasant household folk lends money the short-term phenomenon to be obvious, the peasant household folk lends money the interest rate is high, the peasant household folk lends money the procedure not to be standard.The Anda city peasant household folk lends money the question mainly to form the reason is: The rural finance ecological environment worsens, the peasant household finance quality is low, peasant household credit ability is bad, the countryside official financial organ service propaganda insufficiency, the government the management existence loophole which lends money to the folk..This article proposes solves the Anda city peasant household folk to lend money the question the countermeasure is: First, constructs the Anda city overall county territory financing mechanism, the main government must display the financing mechanism construction fully the organization superiority, the development public credit appraisal work, displays the peasant organization to increase the letter function comprehensively, the consummation county level guarantee system.Next, enhances to the countryside folk lends money the behavior the organization management, sets up the countryside folk to lend money the supervising and managing organization, the perfect countryside folk lends money the risk supervisory system, establishes many and varied folks to lend money the platform, guards against with should lend money the thunderbolt to the folk to occur.Third, the innovation peasant household folk lends money the dispute the solution mechanism, lends money the behavior formulation standard for the peasant household folk, enlarges its dispute to mediate the work dynamics, innovates the small sign volume dispute fast to cut the mechanism, the strict countryside folk lends money the market access system.Fourth, develops the high efficiency fully the farmer finance education way, is clear about key channel which the farmer finance knowledge provides, promotes the compulsory education and the financial education fusion, establishes the farmer finance knowledge curriculum to authenticate the system, fully carries on the financial education using the network information technology to the farmer.Finally, the promotion key peasant household’s financial quality, promotes in the school farmer juniors’ financial quality, promotes rural women’s financial quality, the promotion to egress peasant laborer’s financial quality.