Agricultural Credit Rationing: Status, Causes and Solutions

DOI

10.2991/ssmi-18.2019.112How to use a DOI?

Keywords

credit rationing; collateral; optimal path.

Abstract

Financial repression has long been a problem of China's rural financial market, and the main manifestation of financial repression is credit rationing. On one hand, it is based on control policy of China's interest rate and the development degree of credit market. On the other hand, it is also the result of non market clearing. Based on the theory of economics principle of the existence of credit rationing, the paper tries to redefine the definition of credit rationing, summarized the development history and current situation of rural credit rationing, analysis the causes with the actual financial institutions lending process and the play in the role of credit rationing from collateral angle. Finally proposed that through the relationship between the type and credit rating credit supplement to traditional collateral function, combined with the innovation of agricultural production structure and product setting. Reduce credit rationing barriers and other ways to alleviate rural credit rationing suggestions.

Copyright

© 2019, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Ke Li
AU  - Jianmin Cao
AU  - Jue Wang
PY  - 2019/02
DA  - 2019/02
TI  - Agricultural Credit Rationing: Status, Causes and Solutions
BT  - Proceedings of the 2018 International Symposium on Social Science and Management Innovation (SSMI 2018)
PB  - Atlantis Press
SP  - 678
EP  - 681
SN  - 2352-5428
UR  - https://doi.org/10.2991/ssmi-18.2019.112
DO  - 10.2991/ssmi-18.2019.112
ID  - Li2019/02
ER  -