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The Research on Rural Financing Based on Marketization of Bank Interest Rate in Rural Areas

Author: ZhaoXiaoPeng
Tutor: YouXiaoFeng
School: Shanxi University of Finance
Course: Finance
Keywords: Rural interest rate market Rural finance Lending rates Private financing Formal financial Non - formal financial
CLC: F275
Type: Master's thesis
Year: 2008
Downloads: 92
Quote: 1
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Abstract


Taken an important step in China's financial liberalization since 1996, the interest rate market is officially launched following the gradual and orderly, the first foreign currency, after the local currency, the first loans, after the deposit, the first rural, urban ones, the first large-value after microfinance principles and steps, after years of continuous efforts, the basic interest rate market in China to achieve the tube lower limit of the lending rate, deposit rates tube ceiling milestones. However, rural financial institutions to implement the loan interest rate cap, the cap has to some extent hindered the reform of the rural financial system, inhibits the commercialization of agricultural output in the rural economy diversification of the means of production, the organization of production specialization, scale enlargement the rural economy under the new situation to meet the needs of rural finance. Looking developed history of international financial liberalization in many countries, as the representative of the United States has taken the interest rate control measures to strengthen the security of the banking system, but eventually had to let affect economic development which the interest rates return to a market-oriented configuration. Learn from the historical experience, in 2002, according to the unified deployment of the central bank, the rural market-oriented interest rate reform pilot first launched in the eight counties of the country's rural credit cooperatives; 2003, the the rural floating rate to further expand the scope of the pilot across provinces (municipalities , district) Select 1-2; 2007 Premier Wen Jiabao proposed to enhance the flexibility of the rural lending rate on the national financial work conference; Central Document No. 2008: \within the financial institutions 'rural' service obligations, expand rural lending rate floating range. Visible, the interest rate market in rural areas on the importance of promoting rural economic development. The interest rate is the price of capital, and its market-oriented reforms, optimize the allocation of financial resources, and improve the efficiency of utilization of funds, better play the role of market functions, and thus is of great practical significance. Rural interest rate market overview Therefore, to fully draw on the interest rate market theory, combined with the rural China interest rate market practice and the actual situation of the financing needs of rural, Analysis of the interest rate market in rural areas for rural financing, the final proposed based rural The interest rate market conditions in order to solve the problem of rural finance policy recommendations. This paper is divided into four parts: the first part of the meaning of rural interest rate market definition draws on international and domestic interest rate market theory, and describes the current status of rural interest rate market; second part, by the new features of the analysis of rural production and living drawn new demand characteristics of rural finance, the characteristics of more formal financial institutions and non-formal financial institutions to provide financing services to ultimately clear the reasons for the difficulty of rural finance; third part, by the interest rate market on formal financial institutions and non-formal financial institutions to provide financing services, and related data instances analysis, and ultimately come to the interest rate market in rural areas to help rural financing aspects; fourth part, based on the analysis of the first three parts, mainly from rural few aspects of the financing of the social environment, business management, as well as system mode to make suggestions to the ultimate solution to the difficult problem of rural finance. Interest rate market, the knowledge of rural financing while learning at home and abroad the beneficial results of theoretical research on the interest rate market, the use of the combination of foreign research and domestic research, specification analysis and data illustration combined analysis, comparative study comprehensive analysis of the combined, a combination of internal and external factors analysis method to promote the rapid development of the rural economy - rural interest rate market, were discussed in detail in the financing of the status quo of China's rural and data instance analysis of the impact of the interest rate market in rural areas for rural financing, the final proposed countermeasures and suggestions to solve the problem of financing the rural interest rate market conditions in rural areas.

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