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《Journal of Finance and Economics》 2009-06
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Rural Industrialization,Stratification of Rural Households and Performance of RCC Reform:Evidence from Panel Data of Zhejiang

ZHAN Ming-hua, XU Yue-li(School of Economic and Management, Zhejiang Science andTechnology University, Hangzhou 310018, China)  
Taking Zhejiang province with higher degree of rural industrialization as an example, the paper explores the effects of RCC reform on loan behaviors of rural households by using statistic method and the Poisson-Logit model. As a whole, RCC reform increases financial resources in rural areas and reduces the transaction costs of RCC loans of rural households. But RCC reform has different effects on rural households in agriculture and non-agriculture. It provides more helps for rural households in non-agricultural industry. Although the differentiation above is beneficial to the transition of dualistic structure, RCC reform hasn’t completely embodied its corporate theme which aims at making use of social capital in certain areas and gaining credit information. Therefore, it should deepen RCC reform or reconstruct rural financial system to better meet the financing needs of rural households in agriculture.
【Fund】: 教育部规划基金资助项目(07JA790028);; 浙江省自然科学基金(Y6080177);; 广州市教育科学规划基金(63020)
【CateGory Index】: F832.35
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