Studies On The Problem Of The Plight Of Farmer’s Financing

Along with the development of the economy, as rural microeconomic activity, the economic behavior of the farmers increasingly active. As the farmer’s demand of consumption and investment increased, farmers on demand of capital increases at the same time, and the affect of the financing for rural farmers on economic development and social stability are more and more larger. However, the rural financial market supply of our country are seriously insufficient, the rural financial institutions "difficult loan" and farmers "loan difficult" financing of supply and demand contradiction.The naturally feeble constitution of agricultural industry, the lack of mortgage and guarantee of famers, the uncomplete rural financial credit system led fanners into the financing difficulties, the rural financial supply and demand can’t realize effective docking, because of lacking money to support the economic development of China’s rural areas, it develepented more slowly. Hebei is a big agricultural province, but because the irrational agricultural structure and the lack of the agricultural production technology, the overall development level of hebei agricultural is low. In the country’s supporting of agricultural development policy environment, farmers; demand on credit funds in hebei province is strong, but the supply of credit funds lags behind. This study starts from the micro economic subject-farmers, plans to use statistical, econometrics, and other disciplines knowledge, analysis of financing status of farmers in hebei province in-depth, farmers in their own fu financing influence, the financing rural financial system and the external environment that famers facing, and then gives some advice to solve the financing difficulties of fanners, enriching and perfecting the understanding of the financing difficulties of hebei farmers, try to build a suitable financing theory for farmers in hebei province.The main content of this article are as follows:the first chapter of the paper to choose a background and meaning, domestic and foreign literature review of this paper, the research methodology, the research methods and the innovation of this article. In chapter2, expounds the concept and the related theory. Including rural financial theory, information asymmetry theory of adverse selection and moral hazard theory theory, which provide theory support the article discusses in the following section. The third chapter is to analyze the current situation of peasant household financing in hebei province. Based on the investigation of administrative villages in hebei province and the analysising of the data, from the sample peasant households basic, farmers financing will use, farmers, farmers financing channels of financing, farmers financing costs, farmers financing scale six aspects financing status of farmers, and concludes that the farmers financing difficulties existing in hebei province. The fourth chapter mainly analyzes the reasons of the financing difficulties farmers in hebei province. Separately from their own point of farmers, financial institutions supply Angle, and external environment in hebei province was analyzed in the cause of the farmers financing difficulties. First of all, from their own point of farmers, the use of the logit model to the financing their own reason affecting farmers, makes a positive analysis and summary of the financing of affecting farmers to their own reason; Second, from the financial supply perspective, the first analysis of the current situation of rural financial supply in hebei province, and then points out that the cause of the financing of farmers financial supply reasons; Again, from financial environment view, this paper analyzes the external environment of farmers, the impact of financing.Given the fifth rules and dissolve the financing problem of peasant household policy Suggestions. In the fourth chapter of financing difficulties caused by farmers the cause analysis, put forward respectively from the farmers themselves, the financial supply, external financing difficulties of environmental mitigation farmers policy Suggestions.