Dissertation > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks

Research on the Financing Ecosystem of Peasant Households Based on Economic Organization Involving Agriculture

Author SunYuanQing
Tutor WangJing
School Northwest University of Science and Technology
Course Finance
Keywords Farmers financing ecosystem Agriculture - related economic organizations Principal Component Analysis Catastrophe theory Adverse selection Moral hazard
CLC F832.3
Type Master's thesis
Year 2011
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From 1996 onwards, the national implementation of the reform of the rural financial system, has taken a lot of financial policy, the rural credit cooperatives and postal savings banks to become the only formal financial institutions in the rural financial market, but also the farmers become the subject of rural financial urgent financing demand facing financing shortages. Farmers can not meet the financing needs from the formal financial channels, would be to resort to more spontaneous forms of financing for farmers financing within the ecosystem, to highlight the growing role of agriculture-related economic organizations. Establish effective farmers financing ecosystem of important guiding significance for enhancing farmers credit rating; ecosystem study farmers financing for the government to implement the reform of the financial system and financial innovation, support agriculture individual economy and the development of agriculture-related small businesses to provide a theoretical basis; research farmers finance ecosystem conducive to promoting agricultural industrialization, agricultural modernization, rural urbanization. Agriculture-related economic organizations close to the rural areas, the rural surplus labor also provide a large number of job opportunities. The purpose of this paper is to build the farmers finance ecosystem, in-depth analysis of the role of agriculture-related economic organizations solve farmers financing problems, and to try innovative rural financial institutions in financing for farmers risk assessment method. Finally, the combination of research experience and theoretical analysis, the proposed policy recommendations to optimize the farmers financing ecosystem. By the introduction and six chapters are: Chapter 1: Introduction. Overview of farmers financing the research background, meaning and purpose, comprehensive, objective summary reviews the research status of the related theory, expounded this research ideas and methods, as well as innovations. Chapter II: farmers financing ecosystem composition analysis. First, a brief description on ecosystems. Secondly, the control construct farmers financing ecosystems, farmers finance ecosystem connotation constituted and the main relationship. Finally, a description of the existing problems of the farmers financing ecosystem - the imbalance between supply and demand of funds, analysis of the principle of the imbalance between supply and demand of funds analysis to pave the way for the later expanded. Chapter III: The the farmers finance ecosystem main analysis. This chapter first analyzes the object of study - as the basic economic unit in the rural economic structure and the most direct participants - farmers demand characteristics of funds. Second, elaborate financing of farmers in the existing choice set - the formal financial channels and non-formal financial channels financing farmers financing preferred channels of non-formal financial comparison. Finally, the existence of adverse selection and moral hazard problems in behavioral game model elaborated independent farmers and financial institutions. Chapter 4: Analysis farmers financing ecosystems environment. This chapter provides an overview of the meaning of agriculture-related economic organizations, and farmers financing from the formal financial channels and non-formal financial channels in the case of agriculture-related economic organizations, the use of peer selection principle analysis of the agriculture-related economic organizations can resolve to help the rural financial institutions identify farmers risk difference to solve the problem of adverse selection and moral hazard. Conclude: system construction and agriculture-related economic organizations have an important role in the mechanism to solve the adverse selection of rural financial institutions to make up for the farmers of moral hazard. Chapter V: Perspective based on agriculture-related economic organizations, farmers financing risk assessment methods. This chapter does not use the traditional evaluation methods of the financial ecosystem, but to use catastrophe theory to evaluate the risk of farmers finance ecosystem, is an innovation of this paper. First of all, this chapter using principal component analysis to extract the main factors that affect farmers financing ecosystem. In addition, this chapter will affect farmers financing ecosystem main ingredients as control variables that affect farmers financing ecosystem, to draw farmers financing ecosystem stability control variable threshold, the final design of the rural financial institutions use this method to assess The flow chart of the farmers loan risk. Chapter 6: farmers financing eco-system optimization. This chapter from the aspects of agribusiness, rural financial institutions, government, agriculture-related economic organizations and legislative integrity regulatory bodies to put forward policy recommendations to optimize the farmers financing ecosystem. Chapter VII: Summary and Outlook. Concludes the paper, and pointed out the limitations of this study and needs to be done in the future direction.

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