| 【Objective】The support of the state for the financial development of pastoral areas and the demand of
pastoral households for capital turnover making the loan of pastoral areas more common. Loans mean that herdsmen need
to be able to repay capital and interest. Therefore, the evaluation of herdsmens’ ability to repay their debts can provide
some basis for improving the development of pastoral areas by the state. 【Method】By using literature review method
and descriptive statistical method, this paper analyzed the current situation of herdsmens’loan and production and life in
Xilingol League. Based on the field survey data, the debt-paying ability of herdsman households was evaluated by deductive
reasoning of the herdsman's cash flow and income function. 【Result】The herdsmen of pastoral areas have low repayment
ability, and relatively high interest paying ability. The unequal cash inflows and outflows reduced the solvency of herdsmen.
From 2015 to 2017, the actual number of livestock was less than that when the balance of income and expenditure was
balanced. The profit generated by herdsmen was zero, the herdsmen were in a loss state, and the herdsmens’ ability to pay
debts was weak. 【Conclusion】 For the herdsmen with large livestock breeding scale or market scale, the loan quota can be
increased moderately, on the contrary, loan quota should be reduced. The loan period of the financial institutions should be
changed flexibly. It is suggested that the government should provide external financial support to herdsmen and subsidize in
due course to alleviate the borrowing pressure of herdsmens and enhance their debt-paying ability. |
