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Study on the Rural Microcredit Development in Shandong Province

Author: WangQiu
Tutor: HuJinZuo
School: Shandong University
Course: Finance
Keywords: rural finance micro-credit household income performance
CLC: F832.43
Type: Master's thesis
Year: 2009
Downloads: 141
Quote: 0
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Strong change in the economic system under the impetus of the extent of China’s financial market has been greatly improved, and financial development and innovation has made great progress. However, development of financial markets on the geographical structure of urban and rural areas far from the coordination of financial development, and is tending to increase, the financial characteristics of the dual structure is very conspicuous. This issue has become a constraining rural economic development, especially an important factor in the three rural issues. From the current point of view, China’s rural financial resources in the development of a gross mismatch between supply and demand sides: on one hand, the rapid development of rural economy, the demand for financial resources for expanding; the other hand, China’s economic system, the supply of funds within the formal financial channels are continuously from the rural areas withdrawal of funds in rural areas faced with dwindling funds and even in rural areas are "blood" threats. The micro-credit as a poverty alleviation activities and financial systems integration, you can enter the credit market for farmers to provide equal opportunities for promotion of rural credit markets with prosperity, alleviate poverty and increase income of the farmers of the potential of China’s rural financial system, a useful and necessary to add. At present the study on micro-credit to explore more than at the theoretical level, micro-credit for farmers supply and demand, micro-credit to farmers to produce a better income played a role in how the role and the way of such a system, the lack of empirical research.In this paper, drawing on existing research results at home and abroad, based on micro-credit in rural areas in Shandong Province to conduct empirical research to explore the sustainable development of rural micro-credit a good path. Full-text is divided into five chapters, the first chapter introduces the topics of significance of this study, research methods and research content; second chapter focuses primarily on the concept of micro-credit, micro-credit, the theoretical basis and carry out the core mechanism of micro-credit , the chapter was to provide theoretical support for this study; third chapter describes the micro-credit in foreign countries to carry out several more successful practice models, and on this basis, summed up the development of China’s micro-credit Enlightenment; fourth Chapter This study focuses on the development of micro-credit in rural areas in Shandong Province to conduct empirical research. Based on the cities of Shandong Province, a micro-credit questionnaire (N = 169) the data, empirical analysis of supply and demand in our province the status quo of rural micro-credit and micro-credit to farmers income performance. In the performance analysis, a reference to Cobb-Douglas (C-D) production function models, measurement methods using SPSS software micro-credit and household income, correlation analysis and regression analysis, obtained micro-credit and the relationship between household income, ; fifth chapter aimed at the development of micro-credit in rural areas of our province to submit the feasibility of targeted recommendations.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit > Agricultural credit
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