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Informationen zum Autor Yuepeng Zhao works in the Policy Research Department at the China Banking Regulatory Commission, Beijing, China. She was formerly Research Fellow at the University of Cambridge, UK. Klappentext This book examines the credit needs and the borrowing behaviour of rural households in China in recent years. Based on a micro-study of three villages with dissimilar economic characteristics in Jiangxi province, this book investigates the sources of finance, formal and informal, in rural areas and the different types of credit that farmers demand. It demonstrates the importance of innovative institutional arrangements in rural China and new instruments that give farmers access to formal rural financial markets and enable them to utilize credit effectively, concluding that further reforms are necessary for this to be achieved. Zusammenfassung Rural Credit Cooperatives (RCCs) are virtually the only source of formal credit for rural households in China and were subject to a series of reforms from 1996 to 2003. This book examines the credit needs and the borrowing behaviour of rural households in China. It also examines the patterns of credit required by rural households. Inhaltsverzeichnis 1. ‘San Nong’ Problems and the Challenges of the Rural Financial System in China 2. Literature Gap and Research Objectives 3. Fieldwork Villages, Procedures and the RCCs’ Pilot Program in Jiangxi 4. Households’ Indebtedness and Borrowing Behaviour in the Natural Village of Yao 5. Households’ Indebtedness and Borrowing Behaviour in the Natural Village of Wulitang 6. Households’ Indebtedness and Borrowing Behaviour in the Natural Village of Xiaobu 7. Analytical Summary of the Three Villages 8. Conclusion
