An Analysis On The Factors Affecting Farmers' Households' Demand For Credit And Amount Of Loaning

Along with the unceasing thorough of the rural market economic reform and he development of peasant household multiplication management,the capital also becones more and more important to agricultural economy and the peasant household.Howeve(?)on the one hand the countryside inhabitant's income which is wholely somewhat low caused the peasant household innate fund to satisfy the production and the life needs with difficulty; On the other hand,although the recent years' rural finance reform has yielded the cer(?)in gradual result,but the tendency of the phenomenon which the supply and demand of rual finance market is unbalanced still intensified.In a big agricultural nation like our country,the peasant household is the countrysde society's cell,also is the fundamental unit of the agricultural production.The conditionof peasant household's production and living has decided our national countryside sociely's basic situation.Peasant household's financing condition has become the important variable affecting the rural economy.Therefore,this article cuts into the spot by the peasant household's the demand of loaning,thoroughly discusses the satisfication to demand for credit of the peasant household and factors affecting farmers' household' demand for credit and amount of loading,which will enhance the efficiency of rural financial organ,determine the market localization,expand the service and the financial innovation have the certain practical significance;On the other hand,to the Chinese countryside regular finance reorganization and the non-regular financial development direction,constructing a effectiveness rural finance organization system to be able again to meet the peasant household finance need,to promote the rural economy developmen may be a operational policy.Then,at present how is the characteristic of peasant household's demand for creditand its satisfaction's degree? Which factors do affect the peasant household's demand for credit? As well as,The peasant household is having already under the demand for credit circumstance,which factors do affect the peasant household's amount of loaning? Therefore,based on the previous researches,this paper will analyse the actuali(?) of rural finance supporting agriculture in Jiangsu Province by using Jiangsu Stat.Art(?). Finally emphatically regarding rural peasant household as the main object,we carry ch(?)e description analysis of the characteristic of peasant household's debit and credit a(?)ts satisfaction's degree,and a thorough discussion which factors affecting peasant housell's demand for credit and amount of loaning.Eventually we acts according to the ansis results of this paper for the government to propose the financial supporting agricure policy providing the scientific theory basis.Through the Statistical Yearbook data analysis we found:in a better level of eco(?)ic development in Jiangsu Province,rural financial vacancy remains more prominen(?)nd rural credit cooperatives in rural areas there are still funds "conversion" phenomeno(?)the rural financial institutions to slow loan growth,rural finance Insufficient efforts to suort agriculture.Empirical studies show that:meet the needs of farmers loans are still relately low and per capita net income,children's education expenses account for net income olthe family and home in the proportion of whether a patient needs of farmers borrowinand lending of a significant impact.