Rural Households' Borrowing Behavior And Influence Factors Analysis

The "Harmonious Society" is inseparable from the construction of new-countryside construction and the development of the rural economy。Nowadays, the "three rural" issue has always been the focus of government work and difficult, The core to solve this problem is to develop the rural economy and increasing farmers income, which requires a rational and healthy operation of the rural financial system to provide adequate financial support. However, the current China's rural financial system can not meet the needs of the rural economy's development, the existing rural financial system is not able to meet the financing needs of rural economic agents in rural areas, Finance vacancy becomes a bottleneck in the development of the rural economy. For this reason, make a research of China's rural finance development has great theoretical and practical significance.Farmers is the main agents in rural areas economic, with the development of rural economy, farmers produced a large number of financial needs. However,,nowadays there are only two formal financial institutions in rural financial market——rural credit cooperatives and postal savings (postal savings loan business, but started late, in the present situation did not meet the financing needs of farmers), But all,as the financial institutions themselves, as well as external reasons, financial services which provided for farmers is limited, not well positioned to meet the financial needs of farmers, farmers severely inhibited the financing behavior. Thus, the more rural areas by means of internal self-generated forms of finance. Household lending is the focus of rural finance and difficult, this paper tried to farmers through borrowing my research, analysis, and behavior characteristics of household borrowing behavior of the factors lending to farmers, which give some policy recommendations in line with China's actual conditions of rural financial development. Currently,there are many scholars made research on rural finance, but most use the normative analysis and the main research contents mainly from the macro level, discussed the current China's rural financial problems and solutions.from the micro level, especially from farmers borrowing requirements point of view while much empirical research. Therefore, the author attempts to household borrowing as an entry point, comprehensively, and accurately analysis the household financial needs of the situation and borrowing needs of farmers characteristics and influencing factors, for rural financial institutions to improve financial services, enhance efficiency, to determine market position and financial innovation has a certain degree of practical significance.In this paper, the author made a survey-analysis of Chongqing Pengshui County's four townships sample of households, and the characteristics of the borrowing households and its impact factors, in this based on the corresponding policy recommendations. It contains five chapters:Chapter one, the main topics of this article describes the background of relevant concepts and research subjects to define a clear purpose and significance of this research.Chapter two:mainly introduces the theory in rural lending market borrowing behavior of the relevant literature review, as part of the theoretical basis for this article. Mainly include the following aspects:the three theories about rural lending market; loan purpose,loan size, loan sources, loan frequency, duration, etc. point of view of loan lending behavior characteristics of China's farmers a description; domestic and international factors related to household borrowing analysis of the theoretical literature.Chapter three:mainly the investigation of the basic characteristics of household borrowing and lending activities described in the general situation of the main areas from the survey shows that the general situation of households borrowing money, farmers borrowing purposes, size, frequency, lending targets and interest rates, duration, to ensure repayment The means and understanding of rural households on agricultural firm borrowing behavior of households in terms of empirical description and analysis.Chapter four:the main factors affecting farmers borrowing empirical analysis. This chapter begins by borrowing on the factors that affect the farmers from the farmers of tangible assets and human capital theory, the angle of two hypotheses, and then separately from household non-farm income, own assets, the basic situation of the family, as well as heads of household in four aspects of the basic situation of empirical analysis.Chapter five:the concluding section of this paper, including conclusions and recommendations. The main text of the previous draw the appropriate conclusions on the basis of the final were from the national policy level, grass-roots level of government leaders, banks and farmers level, four levels dimensions of policy recommendations.