Characteristics And Influential Factors Of Farmers Financial Demands In The New Era

As agricultural industrialization, rural industrialization and ruralurbanization development, farmers’ income structure of non-agriculturaltendency. Farmer income and expenditure structure change will lead tothe financial needs of farmers in what change, rural financialinstitutions should how to innovate with" demand follow" type of therural financial service, become rural financial research problems in thispaper according to the rural economy environment change inagricultural industrialization, rural industrialization and ruralurbanization, rural society structure a plurality of change, in thefinancing intention and actual contrast and rural financial marketimbalance, realistic situation, analysis of the current new period farmer’s financial demand present situation and characteristics of ruralfinancial status, and the corresponding requirements, and financialdemand of farmers the characteristic, through field investigation andconsulting relevant data, obtained on farmer income and expenditurestructure and the changes of financial demand influence, put forwardthe corresponding suggestions. The first part mainly describes thebackground and significance of the topic, analyses the current domesticand foreign research form, combined with the current research situation,establish the main content of this article, this study proposed theinnovation point. The second part focuses on the current situation offarmer’s financial demand and characteristic undertake an analysis, forthe farmer’s financial demand changes, mainly from the rural householdsavings and loan demand behavior development proceed with, contrastover the years farmers savings and city savings rise, reflected betweenthe countryside and City financial development shape difference. The farmers savings and all regions of GDP contrast, the regionaldifferences of rural financial demand, rural financial status andcorresponding demand situation, as well as the characteristics offarmers’ demand for funds, according to the analysis of the form, causethis paper main research topics, more demand for the analysis of thefactors influencing the change of basis. The third part is the analysis ofthe main factors influencing farmers’ demand for funds. The mainresearch of farmer income level and farmer income structure influenceon demand, the farmer income and savings curve curves of incomelevel on the effect of financial demand. The fourth part based on theanalysis of the situation, the government how to meet the financialneeds of farmers in our country promulgated the policy analysis, andfinancial institutions in the face of financial demand of farmers changehow should provide the corresponding service, and puts forwardreasonable suggestions.