The Analysis Of Financing Behavior Of Large Grain Farmer

In recent years, many farmers to increase grain yield as the main goal, start intercity inter-district into the land, across the county, across the village, specializes in cultivated land management, gradually formed large grain.Growing and policies, and countries through the large grain become prosperous first drive after ordinary farmers rich form, finally realize the common development of grain economy, this effectively stimulated the enthusiasm of farmers to plant, promoted the agricultural production, increasing farmers’income.In the long run, large grain is an important force for the construction of agricultural modernization.Its effect in improving the grain efficiency, stable food production is increasingly significant.Through in-depth investigation and study of grain large financing situation, and the restriction factors existing in the production and operation, and timely perfect well implement the related countermeasures, for fully arousing the enthusiasm and maintain large grain production and increase grain yield is of great significance.As a big agricultural province of liaoning, we must strive to build the national high and stable yield of important commodity grain production base.Therefore, to develop large grain is necessary.In this paper, from the microscopic economic subject-grain from the view of the large grain large financing problems in our province are discussed.First questionnaire, through the analysis of grain large financing system of grain large basic situation, determine the basis of the grain large financing.Then, through the empirical analysis, and taking liaoning province as an example, to explore the financing borrowing of large grain.Finally, from the grain lending to large local financial institutions to the rural financing situation, analyzes problems of large grain produced in the process of financing, and put forward the corresponding policy recommendations.This article research conclusion is as follows:First, large grain is generally between 40 to 50 years old male, degree of education is given priority to with junior high school, most people will not engaged in non-agricultural workers, providing agricultural materials, agricultural machinery service, and to participate in the cooperatives, and received agricultural technology training, little arable land, planting scale mainly concentrated in the 50-100 mu, the family net income mainly concentrated in the following 50000 in cash.Second, large grain in the process of rural financial institutions to the financing has many problems, such as:large grain loan procedures, high transaction costs, more credit term is not reasonable, lack of credit availability is low, mortgage collateral..Third, according to the grain large financing problems, and puts forward practical policy Suggestions, such as:from the aspects of large grain itself, should improve its own accumulation and education level;Should, from the aspects of rural financial institutions financing innovation in rural financial products as well as the way of financing guarantee;From the financial infrastructure, should promote rural financial management, legal system to strengthen the construction of credit system;From the aspects of macroscopic financial system, should increase government investment, perfect rural financial system, promote the folk financial development.