Analysis Of Peasant Household Credit Behavior And It’s Impact Factors In Characteristic Areas

With the constant deepening of economic reforms, and in the context of the development of market economy and peasant household multiple operations, peasant household demand for capital is becoming more and more intense, more and more urgent. Resolving the three rural issues is the key of building a new socialist countryside, and increasing peasant household income is the core of resolving the three rural issues, but increasing peasant household income should be supported by capital. Against the context of financial marketization, this thesis do research on peasant household credit behavior from the view of capital demand, which has some special significance for getting support of capital.From the view of capital demand, this thesis does analysis on peasant household credit behavior and it’s impact factors in characteristic areas. Regional difference of economic development is a main factor of peasant household credit behavior. The thesis use survey data of peasant household financial demand in the year2008to analyze the effects of regional difference of economic development on peasant household credit behavior in different aspects, such as loan demand, source of loans, scale of loans, occurring rate of loans, purpose of loans, loan term, interest rates of loans and loan types. Base on Binary Logistic models to analyze the impact factors of peasant household credit behavior and formal credit behavior.The basic conclusions are:peasant household have strong demands of capital, but only a few people can get loans; most of peasant household expect to get loans from formal financial institutes, but their financial demands are rejected; regional difference of economic development is a main factor of peasant household credit behavior by which other impact factors too.