Research On The Borrowing And Loan Behaviors About Rural Household In Changsheng Village Of Hegang City

On the basis of searched literatures about rural households’borrowing and loan behaviors, through the research about Changsheng village in Hegang city, Research and investigate about local farmers with the form of random sample, involving a total of1320people, accounted for60%, the samples in this investigate relatively has representative. During the survey, with walking into the rural households’family, by the form of sending out questionnaires and communicating with farmers, the farmers have been surveyed also have a high level of cooperation, the questionnaires has a high level of true rate, the survey data has more realistic and comprehensive. Through summary the date on the questionnaire, analysis the date, concluded that the basic conditions of rural households’borrowing of Changsheng village in Hegang city. Trough the item by item aggregated the questionnaire date of farmers’borrowing and lending behaviors about Changsheng village in Hegang city, respectively summary analysis for the questionnaire, calculated the basic situation of Changsheng village in Hegang city. Then summarized the status of rural households’borrowing and loan behaviors in Changsheng village of Hegang city. I respectively from natural factors, social factors, economic factors those three levels analysis of farmers’borrowing restriction factors existing in the comprehensive in Changsheng village of Hegang city. In order to better meet the Changsheng village’s farmer credit demand. To reasonable guide and regulate the behavior of of Changsheng village in Hegang city peasant household borrowing orderly development, and to promote the healthy development of the rural financial of Changsheng village in Hegang city, give a series of countermeasures and suggestions.Through the investigation and study, combined professional knowledge with the actual situation, improved my ability of analysis and solving problem. Closely the current development of "new socialist countryside", to speed up the solution of the theme of the "three rural problems". The current scholars have no specificity of academic research about rural households’borrowing and loan on Changsheng village in Hegang city, the study in the scope of the investigation and study on specific to the village, the research sample is enough, the research contents of Changsheng village rural households’borrowing detailed specific classification, can reflect the basic present situation investigation area farmers borrowing, has certain frontier on academic research, provided a relevant aspect of research ideas for scholars to research rural households’ borrowing in Hegang Changsheng village in the future. For the agricultural banks, such as commercial banks, rural credit cooperatives in Hegang city and other formal financial institutions on the type of credit, make sure the loan on the aspects such as the types of collateral provides a certain theoretical and practical reference. For Hegang city’s relevant government departments in play a role of rural financial service, improving the Changsheng village farmer credit, build good rural financial system and the rural households’borrowing benign interaction relations, better meet the lending requirements of the Changsheng village farmers, to promote and standardize the Changsheng village farmers borrowing provided the relevant countermeasures and suggestions, has certain feasibility and reference.