The Study Of Influential Factors Of The Financial Demand Of Rice Farmers

In recent years, the Document NO.1 of the Central Government continuously spoke of rural financial problems, proposed to improve the rural environment, deepen rural financial reform, and proposed financial needs of rural villages and households, micro-oriented service directly positioned to meet the financial needs of farmers in this year. Financial needs of farmers is an important part of rural finance, but farmers financial repression has been the bottleneck restricting rural financial reform, thus solving the difficult problem of loans to farmers for the healthy development of rural finance has a decisive role. Industrial development is inseparable from the rural finance support agriculture, the development of the rice industry in Guangdong Province as a necessary requirement to protect the province’s food security is also inseparable from the financial support of the drive.Rice industry is a very complex and interlocking process, one of the most microscopic of business entities- rice growers for their development have a negligible role in the decision, so the study of the financial needs of rice growers, lifting financial repression, improving financial support efficient capital play its due role in the liberation of the rice industry, fundamentally, to promote industrial upgrading, guarantee the rapid development of the industry, it is very necessary.This paper aims to study the factors affecting financial needs of rice growers in Guangdong Province and analysis of financial disincentives, puts forward policy recommendations.The first part is the systematic study of existing research and theory and the full study on the status of the rice industry in Guangdong has made a basic introduction;The second part involves basic conditions of the research program to develop a scientific and reasonable project, based on the principle of sampling characteristics and regional development, the major rice producing areas for the Pearl River Delta, eastern, northern Guangdong to carry out field visits and questionnaires, rice farmers get financial needs and problems encountered, found the prevalence of severe financial inhibition in rice growers in Guangdong Province;The third part involves the proceeds to expand micro data statistical analysis, the initial characteristics of financial needs, and further validating its use probit mathematical model, which was significant factor in rice growers identify the impact of the financial requirements, and founded some important factors such as education, borrowing rates and other factors consistent with the universality of economic significance and results of previous studies, and founded that the characteristic factors of rice growers financial needs, such as acreage planted with the family farm income share of the population;The fourth part involves a conclusion from three aspects: the rice growers themselves, financial institutions, macroeconomic policies summarized the causes of rice farmers getting loans and financial repression issues;The fifth part draw conclusions and make policy recommendations for government and related departments to offer advice and suggestions to solve the rice growers force financial demand, to guarantee their smooth and successful reproduction of Rice and extension of the industrial chain, making the financial industry to play its core driver support the force, and making the rice industry in Guangdong Province fully upgraded, and in high-speed development.