Study On The Financing Behaviors Of Farmers In Yangling

Since China adopted the reform and opening-up to the outside world and the ruralhousehold contract responsibility system, rural economy gradually has came to be growingprosperity and development, agricultural industrial structure gradually adjusted and optimized,rural liberation has been transferring to non-agricultural industries, rural economy market hasmore and more vigor and vitality, so farmers have increasingly strong demand for financing.Based on the demand from farmers, according to micro-level, we analysis the financingpresent situation, problems and influencing factors of farmers, which has certain practicalsignificance of accurate, comprehensive and deep understanding of peasant household’sfinancing situation, understanding the influence factors of affecting farmers financing,regulate rural folk informal finance markets, improve the level of rural formal financialinstitutions financing services, product innovation and financing efficiency.In this paper, based on the thinking and understanding of above question, we selectedYang ling demonstration zone as the research area of sample, we researched260questionnaires and got247valid questionnaires. On thinking analysis, first of all, define therelevant concepts and theory of farmers financing, then based on the analysis of survey databy the method of statistical description we analysis the basic characteristics of the farmersfinancing, again, assume the influence factors of farmers’ financing behaviors and expect theimpact results, and introducing the model for empirical analysis and inspections, at lastaccording to the above research and analysis,I put forward relevant Suggestions andcountermeasures. Specific content of the paper are arranged as following:The first chapter, Introduction. The paper mainly illustrates the research background,purpose and significance, methods, domestic and international literature review, researchideas and content arrangement.The second chapter, Reviewing of farmers financing behavior theory. Including thedefinition of related concepts and reviewing of the related theories. Mainly Define theconception of the farmers, financing, illuminates the related farmers financing theory.The third chapter, Analysis the basic characteristics of Yang ling farmers financingbehavior. According to field investigation data of Yang ling analysis farmers financing overallsituation, the object and purpose, financing needs, financing scale and interest rate, financing deadline and frequency,the way to ensure reimbursement farmers financing characteristics,and analyzes the diversity of different kinds of concurrent-business farmers financingbehavior characteristics.The fourth chapter, Analysis of the influence factor of farmers financing behavior ofYang ling. This chapter mainly introduces the assumption of farmers’ financing behaviorinfluence factor theory, model selection and model building and empirical test results andanalysis. In the analysis of this part, in this paper, the influence factors of farmers’ financingbehavior variables are divided into three variables: farmer householder characteristicvariables, the characteristics of farm households, and characteristics of the social capital, byassuming, modeling, analysis, inspection, using two classification Logistic regression to doempirical analysis and inspection, confirmed the influencing factors of Yang ling farmersfinancing behavior.The fifth chapter, the countermeasures and Suggestions for the development of Yanglingdemonstration zone farmers financing. From the perspective of government, farmers,cooperatives, formal financial institutions, informal financial aspect, put forward relevantcountermeasures and Suggestions.