Study On Borrowing Behaviors Of Rural Households In Wulate Qian Qi

Our country is a traditional agricultural country, with a number of agricultural population. Faced with the status of domestic overcapacity and weak economic growth, raising farmers’ income to expand domestic consumption demand is the path to promote national sustainable economic development. To increase farmers’ income and develop rural economy, the healthy development of rural finance is essential. However, currently China’s rural finance is in the trouble of formal financial supply insufficiency instead of informal financial development disorder.This paper chooses Wulate Qianqi rural households as the object of study. Through Wulateqianqi farmers’ credit behavior characteristics described by the statistical data processing to analyze factors influencing household borrowing behavior, in depth and with the econometric models and quantitative analysis software to make a quantitative analysis of the related influencing factors. Finally, conclusions and countermeasures are naturally made. Text is divided into five parts:The first part is an introduction, including research background, purpose and significance, the domestic literature review, etc. The second part is the theoretical basis of the study households borrowing behavior and China Rural Financial System Introduction; The third part is Wulate Qianqi households basic characteristics of borrowing behavior analysis; The fourth part is Wulate Qianqi household borrowing behavior influencing factors; the fifth part is the conclusion of this paper and relevant policy recommendations.