The Study Of Framers Micro-credit Default Intention

Since the 1990's, micro-finance has made great development, followed by farmers micro-credit default is increasingly serious. The purpose of this paper is to analysis the influence factors of farmers default intention, thus put forward the countermeasures and reduce the farmers intention of default.The paper adopted literature method, questionnaire survey method, mathematical model and method were studied. Guided by the theory of planned behavior put forward research hypothesis, and carry on the empirical analysis.The results show that:(1) the default attitude has a significant influence on farmers intention of default.Among them, the default behavior(or ideas), the higher the positive evaluation,farmers more tend to choose the default; For default behavior(or ideas) the higher the negative evaluation, farmers more inclined to choose the loan.(2) subject norm has a significant influence on farmers intention of default. Imperative norms among them,the main groups, namely the main groups of farmers attitude of default, the main group is in favor of the farmers choose to default, farmers more tend to choose the default; Times group descriptive norms, namely the farmers attitude toward mass defaults, farmers more in favor of the second group selection defaults, farmers the tendency to choose the default.(3) the perceived behavior control factors on farmers default has significant influence factors include accident, interest rate is too high,business revenue generation capacity, poor credit environment.(4) marital status and educational level has a significant influence on farmers intention of default. Among them, divorced and widowed farmers default interest higher than that of single and married peasant household; Cultural degree for junior middle school and the following farmers default intention is higher than the farmers of high school and above.Accordingly, in order to reduce farmers microcredit default intention, put forward three countermeasures and Suggestions. First, strengthening public opinion guidance, help farmers to set up the correct attitude toward the loan; Second, speed up the construction of rural credit system, optimize the environment of rural credit; Third,increase farmers vocational and technical training, improve the ability of operating revenue.