北京市延庆县农户借贷行为的实证研究-金融学专业论文.docxVIP

II II Abstract The farmer issue is the core problem of Chinas three rural problems. Rural household is not only the main provider of funds, but the basic target of rural financial services. However, due to current rural financial markets’ defects, farmer’s reasonable demand for funds has not been fully met. Rural households’ borrowing behavior and satisfaction degree has increasingly become the focus of the rural financial problems. This paper made survey of the rural households around large city, which is relatively short of domestic academic study, using empirical methods and standardized method, also quantitative methods and qualitative methods combined. From the research I found that the rural households in Yanqing have strong demand in borrowings, and the scale of borrowing has increased year by year; informal borrowing’s comparative advantage in the borrowing period, interest and collateral in loans compared with formal channels, also the main purpose of living make the informal borrowing the main source of Yanqing rural households. At for the relation to formal financial institution, Yanqing County rural households face serious formal credit constraints, and only Beijing rural commercial bank issues small loans to rural households. However, as the only formal financial institution, it is difficult for Beijing rural commercial banks to afford loans to all rural households, and the supply of funds from the formal financial institutions are insufficient. In addition, the organized informal lending activities in Yanqing County are not mature enough, and the form of informal lending is single. Rural households have strong path dependence in relatives and friends. Finally, I present policy proposals in how to enhance the financial support of Yanqing County, based on the unique character of Yanqing rural households’ borrowing behavior. I hope I can help rural households raise borrowing funds, and make contribution to Beijing rural finance’s development. K