The Satisfaction Of Specialized Households On Rural Financial And Its’ Influencing Factors

With the development of industrialization and urbanization process accelerating, the agricultural production structure has undergone tremendous change. In recent years, a variety of new agricultural business entities have emerged and changed the traditional mode of operation of the subject gradually. The agricultural economy of our country is becoming specializing, scale and marketizing. Specialized households is an important part of new agricultural management system. It is a change form from traditional small-scale household production to intensive production. It is the first army of our country in the development of the socialist modernization of agriculture. Based on maintaining the status of contract management, specialized households is integrating and optimizing agricultural production resources, expanding the scale of household production, increasing farmers’ income of agricultural management. It is playing a demonstration role of small scale peasant household production actively. However, expanding the scale of agricultural operations, increasing capital investment, technology, machinery and other production factors have stimulated the demand of fund of specialized households. The shortage of funds, financing difficulties have become one of the main problems of specialized households facing in the development. The existing rural financial system can not meet the financing needs of in the development process. Rural finance is an important part of China’s financial system. It is an important support for the development of agriculture and rural economy. But at present, China’s rural financial system is not perfect, rural finance and insurance market development lags behind. The collateral transaction cost, more complicated loan procedures, the shortage of professional investors have been on of the problems affecting the possibility if the specialized households can get the rural financial support. The problem has hindered the growth of specialized households. In order to meet the needs of farmers’ production and consumption of financial demand, we can try to understand the characteristics of specialized households’ financial demand, current status of rural finance, influencing factors of satisfaction of specialized households. They are the basic work in the construction of new rural financial help. It is good for putting forward policies suggestions in line with China’s national conditions and promoting the healthy development of China’s rural finance system. It will play a positive role for the construction of the socialist modernization of agriculture. Based on this, this article has studied large amounts of theory. And it has done the quantitative analysis of the influencing factors of rural financial satisfaction of specialized households on the based of empirical investigation data of Zhejiang Province, Heilongjiang Province. we could find that whether access to bank loans, times of accessing loans, loan amount, the number of cultural level and their funding levels are important factors affecting the specialized households’ rural financial satisfaction. In order to improve the professional skills of the rural financial support satisfaction, give full play to the role of financial support in rural, we can do something from the two aspects of the rural financial institutions and specialized households itself. First of all, we can construct a new rural financial system actively, expand the scope of mortgage credit pledge, improve the possibility of accessing bank loan successfully. Increasing rural financial credit, abundant financial services products are also good ways to increase the amount of farmers’ loan. Secondly, specialized households can improve the quality of their own culture. So, they can deepen the awareness financial products and the importance of financial support. Developing professional and scale agriculture is good for improving the level of family income and reducing mortgage hinder. At the same time, it also can reduce the degree of dependence on rural finance.