Study On Borrowing Behavior Of Rural Households In Chenzhou City

Along with the development of the rural economy in our country and to rural reform, China’s agricultural structure began to get fast adjustment, farmers on the need for the funds more intense, the farmer credit behavior happened more frequent. But in our country, because of the rural financial market is strictly controlled, suppress the needs of farmers on lending, the needs of farmers in the very great degree is not satisfied. Therefore, the farmer credit behavior for the development of the rural economy, is of great practical significance.Farmers is in the process of rural economic development main body, farmers on the need for the funds along with the development of the rural economy and increasing, but due to financial institutions themselves and the cause of the outside, caused the current financing behavior of peasant household seriously restrain. So, need to resort to more financial form to meet the needs of farmers on funds, and guide farmers reasonable happen borrowing. The farmer credit behavior research is in the study of rural financial difficulty, this paper lending in Chenzhou city farmers as the main research object for empirical research.First analysis of the present situation of Chenzhou farmer credit behavior, and know the situation, the farmer credit Chenzhou farmer credit the source, the income of the farmers, the farmer credit funds of the applications, lending scale, lending rate, etc.; Secondly analyzes the impact of the farmer credit behavior of the main influence factors, including the financial service level, lending interest rates and household income level, farmers own assets status, farmers production scale; Finally the investigation and analysis of the current Chenzhou city farmers receive behavior problems, aimed at the problems raised some Suggestions, hoping that these means promoting the rural economy and the development of new rural construction.