An Empirical Study On The Borrowing Demand Of Rural Households In Sichuan Province

As we known, the core of "Three Issues in Agriculture" is the farmer. Only on the basis of the improvement on the farmer’s productivity, can agriculture and rural economy achieve development and growth. But our farmers are generally poor now, and also can’t receive enough fund through the rural financial market which is imperfect and inefficient. So fund shortage has become the bottleneck of development of rural economy and hinders the increase of farmers’ income. Therefore, this study will take Sichuan province as the example to research rural finance from the angle of the farmers’ financial needs which is the core problem of rural finance, trying to find its inner laws.Firstly, this paper verified the relationship between the rural finance development and per capita income growth of rural households in China; Secondly, it described the realities and characteristics of the households’ borrowing demand in Sichuan province; Then based on the front, this paper constructed a theoretical model, to analyse the influencing factors of the farmers’ borrowing demand, mainly using single factor analysis and multivariate regression analysis; Finally, according to above analysis results, this paper drawed some conclusion and policy suggestions.