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The Study on the Courtesy Demands Reciprocity and Consumer Credit in Rural Areas of Guizhou

Author: ZhangYue
Tutor: LuoTianYong
School: Guizhou College of Finance and Economics
Course: Finance
Keywords: Courtesy demands reciprocity Consumer credit in rural areas Mutual aid financing Rural finance
CLC: F832.4
Type: Master's thesis
Year: 2009
Downloads: 66
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Abstract

The data of the fifth census shows that 60 percent population of our country is rural people. The consumption shortage of rural people is the main cause of the consumption shortage of our country. The available approach is to increase the demand of them. As to Guizhou province, it is also an important question that increasing the demand of rural people. At present, it is a common suggestion that making use of the consumer credit instrument to stimulate consumes of rural people, but we still need to discuss what the effective credit in rural areas is.The effective credit must take the real demand of rural people into account, as well as the consumer credit. Review the economy of the rural family, giving gifts to each other is one of the important parts. The expending on gifts becomes lager. Courtesy Demands Reciprocity, the significance of this cannot be ignored. Large amount of consumer goods are consumed in the ceremonies. For the rural people themselves, they cannot afford so many consumer goods. At this time, Courtesy Demands Reciprocity performs its mutual aid financing function.The third chapter discusses the essence of Courtesy Demands Reciprocity. The phenomenon exists for a long period of time. But the money raised by it is not enough, because there is a time difference between payout and receiving. If the official finance institution could bankroll, consume would be enlarged. At present, the consumer credit offered by the official finance institution almost focus on the agricultural production credit, and the consumer credit is in shortage. Offering consumer credit is imperative under the situation.In order to explain the important role that consumer credit plays in the economy, the third chapter analyzes the relationship of consumer goods and the GDP of Guizhou by demonstration. The results are following: there is a balanced relationship between them, and the elasticity is 1.39. In order to contrast, the fourth chapter analyses the relationship of agricultural credit and the GDP in Guizhou as well, and the elasticity is 0.8.So we can make a conclusion that the consumer credit is better than the production credit in Guizhou rural areas. The mainly cause of this result is the inefficiency of the agricultural production.To develop the consumer credit in rural areas, the characteristics of each area must be taken into account. Besides, developing the credit rating system is the guarantee to control the risk. In addition, driving the improvement of rural finance from the view of consumer credit, we should make the rural finance take the good way.The innovations of the paper are following:The fist one is the innovation of the topic and the point of view. The paper analyses the issue of sociology from the economic view. Secondly, the paper makes suggestion that we should offer the rural people the consumer credit to hold the ceremonies, and explain the feasibility and significance of it. The thought and the viewpoint both are innovations. Thirdly, the paper uses the empirical analysis method to explain that the consumer credit is better than the production credit in Guizhou rural areas. At the same time, chapter 4 also discusses the lag of them. It is an method innovation.

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