Present Situation, Problems and Strategies of Agricultural Credit Policy in Dingxi City

This paper analyzes the current situation of agricultural credit policy in Dingxi City,and further studies the problems in the implementation of credit policy in Dingxi City,and puts forward strategies and suggestions according to these problems.

Bootstrap Simulation Study on Cooperation between Agricultural Insurance and Agricultural Credit

The economic compensation function of agricultural insurance can reduce the credit default risk of farmers. Therefore,the cooperative development of agricultural insurance and agricultural credit is an inevitable trend for the development of rural financial services. In this paper,the annual time series data of agricultural insurance and agricultural credit in 1994-2013 were used to carry out bootstrap simulation based Granger causality test and make the impulse response analysis. Results indicate that based on the Granger causality test of the whole samples( 1994-2013),there is no Granger causality relationship between agricultural insurance and agricultural credit; based on the test of sub-samples( 2002-2013),there is a two-way Granger causality relationship between agricultural insurance and agricultural credit,the rapid development of agricultural insurance brings about structural changes in agricultural credit; agricultural credit has a positive effect on agricultural insurance,and agricultural insurance has a greater effect on agricultural credit. Finally,it came up with policy recommendations for the cooperative development of agricultural insurance and agricultural credit.

Relationship Between Agricultural Credits and Agricultural Economy Based on Error Correct Model in Heilongjiang Province

Heilongjiang is a large agriculture province.Problems of agriculture,rural areas and farmers are urgent to be solved.The development of agriculture needs the support of agricultural credits,because finance is the center of agriculture economy.However,the low comparative advantage in agriculture and pursuit of the capital interests which aggravate the conflicts of supply and demand of agricultural funds.Lacking of fund is the main factor that constrains the development of agricultural economy.In order to analyze the economic effect of agricultural credits on agricultural economy,an error correction model was set up to research the relationship between them,which based on the least square methods.Through the study of the contribution from agricultural credits to total value of agricultural out-put,the empirical evidence for developing the rural financial vigorously was provided,in order to promote the agricultura leconomic development.

Credit margin of investment in the agricultural sector and credit fungibility: the case of smallholders of district Shikarpur, Sindh, Pakistan

Background:This study examines the access to credit,credit investment,and credit fungibility for small-holder farmers and medium-and large-scale farmers in the agricultural sector of the Shikarpur District of Sindh,Pakistan.Methods:A standardized questionnaire was used to collect data from 87 farmers in the Shikarpur District.We investigated the availability of credit and the use of credit fungibility by farmers with small-,medium-,and large-scale holdings by applying a credit fungibility ratio and an ANOVA technique.The factors that influence the farmers’access to agricultural credit were analyzed using a probit regression model.Results:The results revealed that farmers in both study groups used some amount of their agricultural credit for non-agricultural activities.Further,the results of the probit regression analysis showed that formal education,farming experience,household size,and farm size had a positive and significant influence on the farmers’access to agricultural credit.Conclusion:Based on these findings,our study suggests that a strong monitoring of farmers is needed in the study area.