Research On Large Plantations’ Borrowing Behavior Under The New Situation

The document NO.1of the central government was first introduced to encourage thedevelopment of "family farm" and propose the policy to incline to the professional cultivators,the family farm, the farmer cooperative society and so on the new production managementbody in2013. The development of family farms has a step by step process. Generally, it takesthe family as the unit, moderates the formalization production at first. Moderate scale ofhousehold business model is the contracted farmland to grow large or business experts, andthe planting large or business expert through the expansion scale of production developmentfamily moderate large-scale management. Planting large is an important component tocommensurate with the country’s new agricultural management system, their funding needsare very large when they in the policy direction of the development process. Many farmersdue to their own financial strength and asset restrictions cannot be obtained through meanssuch as asset-backed loans from financial institutions, farmers ’ loan problem persists. Thepaper attempts through analysis of Urumqi County major grower survey of lending practices,effectively meet their borrowing needs so that they efficiently into national policydevelopment, enjoys more preferential benefits and get more support. It also improves theefficiency of rural financial service system and provides better services for farmers.This article takes to the Urumqi County Shuixigou town, the Tory township, theYongfeng township, the Banfanggou township, the Saerdaban township these five areastotally200household peasant household’s investigation of borrowing funds as a foundation.This paper reveals and analysis the characteristics of their borrowing mainly from theincidence rates, loan amount, loan rate, loan channel, loan terms and borrowing purposes.Second, analysis farmer household behavior of credit factors from the farmer’s owncharacteristics, household characteristics, environmental characteristics of financial byLogistic models and explains the reason. Finally gives the reasonable countermeasuresuggestion.The basic conclusions in this thesis are the following: firstly, the incidence of borrowingis high and farmers have a strong sense of borrowing requirements. Farmers ’ demand mainlybased on small loans, but for large loans is strong. The rural households borrowing path is lessbecause of the local rural credit association society is the peasant household obtains the loanthe main channel. Agricultural production in farmer’s borrowing purposes is still the major.The way that The peasant household borrowing mainly by to hold the loan card, at the sametime, loans have a short period. Secondly, farmers’ age, education level, cultivation scale,family size, family income level, social relation, loan efficiency and the satisfaction aboutlending policies have different impacts.