Difficult And Countermeasures Henan Yuanyang County Farmer Financing

China’s economic development level is relatively low, the production andoperation of major or decentralized management, farmers’ life is not fully funding,resulting in the slow development of the rural economy and increasing farmers’income difficult situation. Another is the characteristics of rural production is highrisk, low income, seasonal, cycle is long, so the rural financial institutions in order toavoid risk, reduce cost and reduce the difficulty of managing information seeking,will reduce or do not provide money to farmers, these have seriously hindered thedevelopment of agricultural production, the situation of poor farmers withoutfundamental changes. This paper analyzes the performance of farmers’ financingdilemma is to try to find solution, peasant household financing way, which is toimprove the income of farmers, accelerate the development of rural economy,narrowing the gap between rich and poor, to coordinate urban and rural economicdevelopment is a very important significance.This is the microscopic economic subject to farmers as the starting point,systematic exposition of the relevant theory of financial development, rural financialtheory, asymmetric information theory, and transaction cost theory. Then throughempirical test to analyze the financing situation of farmers to increase the income ofthe farmers, reduce poverty, trying to show the importance of farmers cansuccessfully get the funding. Selection of survey data in Henan Province, to analyzethe rural household financing intention, purpose, channels, risk, effect. After theanalysis of the farmers to the formal financial financing plight as well, and to the folkfinancing plight as well. This paper mainly analyzes farmers own endowmentsinfluence on Farmers’ financing, econometric model is the use of multivariate Logitmodels analysis of the factors influencing farmers’ financing, to explore the impact ofthe current rural financial system of rural financing and the causes. Finally, from twoaspects of reasons of farmers themselves and faced financial reasons, to solve thepeasant household financing feasible suggestions, hoping to improve the income offarmers, improve the living standards of rural residents, and promote rural economicdevelopment to make some contribution.