Research On Microfinance Based On The Needs OF Farmer In Hanshan Country

In China is an agricultural country, the problem of "agriculture, rural areas and farmers" is always the fundamental of reform, the construction and development. However, low agricultural productivity directly led to the low level of farmers income, further led to the peasant household’s ability to have capital, led to the agricultural production and operation capital investment co., LTD., is not conducive to rural economic development, agricultural production level, farmers increase income levels. The primary choice for production and investment, loans become farmers, through effective loans to farmers of agricultural production. Microfinance as a kind of effective means for poverty alleviation, can not only alleviate the difficult problem of borrowing funds on rural financial market, optimizing the system of rural financial institutions, the hair can also village in rural economy. Although the process of modernization of agriculture is gradually accelerated, family farming is still the dominant economic subject in our country’s agriculture, stimulate the farmer’s production enthusiasm, for farmers to get rich provides the effective guarantee of sustainable development. At the end of the 20th century, a complete sense of microfinance to appear in our country. Compared with other countries on international, I microfinance in China starts late, develops slowly, copy the grameen bank in Bangladesh. Although have many experts and scholars studied the microfinance "localization", but most focus on the macro environment, with performance analysis theory and sustainable development is given priority to, for an empirical analysis of the specific region is less, and lack of powerful data analysis to support the theory.Keynesian monetary demand theory, asymmetric information theory, imperfect competition theory is which has been widely applied in the western economics theory, has a wealth of empirical research, is popular among researchers. Based on the theory of western economics as a starting point, apply it to HanShan country farmer microfinance demand analysis of influencing factors, on the basis of reference for other related research questionnaire, combining with the characteristics of HanShan country local farmers production and operation, design the questionnaire of this study. Through the distributed in each town and township HanShan country, and through measuring software spass, eviews software to organize data, regression.First of all, this article first summarized HanShan country economic development present situation, understand the region’s microfinance related subject, and the present situation of local farmers microcredit HanShan country supply, including the formal financial institutions and the informal financial organizations.Secondly, in this paper, using the theories of western economics Keynesian monetary demand theory, information asymmetry theory, imperfect competition theory HanShan country farmers microcredit demand is analyzed, concluded that farmers demand for microfinance is mainly used to meet the transaction motive and the motive of caution; Information of non for borrowing money supply and demand is difficult to complete; Formal financial institutions, and informal organization on farmers microcredit provides incomplete, marginal farmers is difficult to obtain credit service. Finally according to the theory of the above three design of questionnaire, this paper specifically see attachment.Again, through to the return of the questionnaire analysis, the following conclusions:First, the head of the household of gender and HanShan country farmers microfinance demand was not significant.Second, householder age, household income, per capita arable land is negatively related to the HanShan country farmers microcredit demand.Third, the family, head of the household population are education level and HanShan country farmer microfinance demand are related.Finally, from the perspective of farmers themselves, and the Angle of government financial institutions from three aspects, proposed to meet the current demand farmers microfinance itself and guiding Suggestions for the development of microfinance institutions, including farmers should raise their cultural quality, improve their financial quality, enhance the use efficiency of for money; The government should perfect the security system, strengthen the credit construction, improve the financial supervision; By using the theory of 7 p financial institutions put forward reasonable Suggestions, to promote the development of the HanShan country farmers microcredit, speed up the HanShan country economic development provides a new train of thought.