Study On The Influencing Factors Of Household Borrowing Willingness In The Process Of Local Entrepreneurship

In recent years, many scholars found that at present our country make a great difference of the farmers’ income structure through empirical study, migrant workers’ income makes up a significant proportion, which means that more and more farmers from the countryside are going to cities to find a job and also causes many problems. For example, the crowded urban population followed, rural left-behind children and the old man are taken care by none, and farmland abandoned, etc. Farmers in situ entrepreneurship can not only promote the rural economic development to a certain extent, but can also increase farmers’ income and largely avoid large-scale rural surplus labor to cities caused by the negative effects. Farmers in business depend on effective financial support, while the financial institutions can realize supply product characteristics and the coupling between the farmer credit demand is particularly important. Due to different areas have many differences on the rural economic development level and financial environment, the farmers borrowing willingness also present a certain difference, the research on the entrepreneurial farmers borrowing willingness characteristics and influencing factors, explores on the entrepreneurial farmer credit demand will feature, and realizes effective coupling rural financial supply and demand, increases financial support for entrepreneurial farmers utility has the vital significance.This paper, in which entrepreneurial farmers’ willingness to borrow is the research object, is based on the field investigation data the county in Shaanxi province of 296 peasant households’ willingness to borrow, uses the Logistic model, analyzes the influence of financial support for farmers to and the influence factors of local entrepreneurial farmers borrowing willingness study financial support to farmers has significant positive correlation, the relationship between entrepreneurial intention for on-site entrepreneurial farmers at the same time, in the family endowment, entrepreneurial characteristics, three kinds of variables in the financial environment, family endowment variables of family income, social relations, entrepreneurial characteristic variable number of start-up capital and entrepreneurial place, distances from the city and entrepreneurial farmers to satisfaction loan amount, interest rate level of satisfaction, to borrow, satisfaction with the degree of risk tolerance financial markets such as the cognitive variables are willingness of entrepreneurial farmers loans has significant influence. According to the research conclusion is put forward to improve farmers on the entrepreneurial environment, improve the financial markets supporting effect of countermeasures and Suggestions.This paper with local entrepreneurial farmers as the research object, studies the factors which influents entrepreneurial farmers’ borrowing willingness to may affect lending will factors can be divided into family endowment, entrepreneurial characteristics and financial environment cognition three aspects. In the study of the influence factors of peasant household borrowing intend, farmers cognitive variables is introduced, and the family endowment class variables, considering the factors of entrepreneurial environment at the same time, from the perspective of farmers cognition and family endowment to explain the influence factors of peasant household borrowing will may, for the classification of the influencing factors of more comprehensive and rationality.