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Analysis on Peasant Household Financial Demands in Western Distriction

Author: GuoYing
Tutor: ChenZuHai
School: Central South University for Nationalities
Course: Chinese minority economic
Keywords: Financial needs of farmers The supply of financial services Funding sources Demand dimension Retention of resources
CLC: F327
Type: Master's thesis
Year: 2008
Downloads: 350
Quote: 4
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Abstract

The financial needs of farmers in the western region is the heart of the western rural finance. The western farmers financial demand can be achieved, is a measure of the effectiveness of the standard of the western region of rural financial services, is also key to the success of the western rural financial system reform. Western farmers as the basic economic unit of the western region, a production and consumption, and bear the responsibility of the family security, education and management. The financial needs of farmers of the western region, with its huge scale and fragmented amount of a potential market can not be ignored. How to western farmers cultivate independent financial needs of the body, its demand into real consumer products and services, is a major issue in the western rural financial reform. Western Financial western region's economic symbiosis, coexist. The western region has initially established a multi-level, multi-agent system of financial services. According to the actual financial needs of western farmers to provide financial services, will be conducive to promoting financial reform in the western region. Through systematic analysis of the financial needs of western farmers, build the western farmers as the center of the financial needs of the system, be able to reverse the weak position of farmers in the financial markets in the western region, the western farmers to enhance the awareness of the main, fundamental Problem in the western region to promote economic development. Financial repression and financial deepening theory, theory of financial functions and financial follow the demand and supply leading theory as the theoretical basis to define the concept of the financial needs of the western region farmers analyze the characteristics of the financial needs of western farmers. Western farmers financial needs of western farmers in the range of economic conditions and their own ability to allow out-funded financial funds into demand for specific needs related financial products and services. The main body of the financial needs of western farmers farmers, the contents of the financial needs of western farmers divided into funded financial out funds into the western farmers financial needs is a comprehensive reflection of their own ability. Characteristics of the financial needs of western farmers dispersed, non-commercial, reality and potential, multi-level nature of endogenous financing and social capital to form the basis. Credit risk is the core of the financial needs of western farmers. Western farmers lack of appropriate guarantees and collaterals to form a business risk and systemic risk. The financial plight of the western region in real terms for the credit predicament. By analysis of the status of the farmers financial needs of the western region, the western region has the following problems: there are contradictions on the volume and structure of the financial needs of the western region farmers with the supply of financial services; lack of awareness of the financial body of the farmers in the western region and the financial services lack of understanding; western region farmers demand for loans can not be achieved. Overall, the western region of rural financial services is ineffective. Factors restricting the financial needs of western farmers are many factors that affect the financial needs of farmers in the western region, including internal factors, external factors, and other factors. Intrinsic factors include the western farmers financial awareness, and the unity and fragmentation of the financial needs of western farmers, the marginalization of the social capital of western farmers, the multi-level nature of the financial needs of western farmers, farmers in the use of funds of the western region of single and farmers capital of the western region high cost; external factors including the the western harsh natural environment, the absence of financial products and services of the lack of high loan interest rates, financial supply failure of the western region the western financial deterioration of the ecological, western agricultural insurance mechanism, the western region, the western region financial The market size is small, the credibility and reliability of the western financial institutions and western financial policy is not perfect; Other factors include the involvement of foreign banks, the emergence of western landless farmers, farmers in the West work to become the financial needs of the western region the main. Countermeasures including farmers financial needs of the western region to build the financial needs of western farmers discourse mechanism western farmers demand for financial information service mechanism, the implementation mechanism of the financial needs of western farmers, supporting mechanisms of the financial needs of western farmers, western farmers financial needs maintenance and deepen the mechanism western farmers financial needs protection mechanism. Concrete realization of channels, including: (1) west of central bank card the farmers credit information system; (2) the establishment of telephone banking, online banking as the main Western Wireless service network; (3) the establishment of the farmers in the western region as the center financial information statistical system; (4) to build a multi-level system of financial services to western farmers financial needs; (5) establish risk prevention and protection system of the financial needs of western farmers; (6) in the western region to establish a land circulation market as the main exit system. Relevant indicators include a measure of the financial needs of the western region farmers western farmers the financial needs of capacity, the price of financial products, the length of the western region funding channels and width of the west farmers financial needs dimension, western farmers Resource precipitation rate, the western region loan interest rate. In the western region, farmers are effectively the financial needs of the body. To the financial needs of western farmers built as the center the western farmers financial needs of the system, help foster the western financial markets, and fundamentally promote the Western financial reform. Western farmers financial needs is an ongoing process. The financial needs of western farmers divided into different stages, to take corresponding measures for different stages, is conducive to truly achieve the financial needs and financial supply ratio in the western region. Village banks, finance companies, rural credit union funds and other new types of rural financial institutions have appeared in the western region, how to play the new rural financial institutions, in terms of capital and credit support, will promote the development of the financial markets of the western region. Be attached to the financial needs of western migrant workers and landless farmers to take effective measures to achieve the financial needs of both part of the group of financial institutions in the western region will provide sufficient space for development.

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