The Factor Of Large Grain Lending Behavior Influence

As a major agricultural province in central Anhui,Large grain size of business investment,there is a great demand for funds,so large grain have a great demand for lending money,but the problem obtaining loans is difficultythere always been,the central authorities have started to adjust the three agricultural item subsidy reform,and set forth in support of food moderate scale operation of food subsidies have a fundamental reorientation.The country's first provincial agricultural credit guarantee companies have landed in Anhui,mainly to provide credit guarantees for agricultural moderate scale business operators,focusing on provide security for an appropriate scale food business,therefore,to large grainlending practices-oriented put forward to solve the problem of rural financial supply,improve the rural financial service system of suggestions for solving the difficult problem loans to farmers in Anhui Province has important significance.In this research,the study is 403 numbers of Anhui lending practices of large grain,based on summarizing the relevant literature,first use of behavioral economics theory,the theory of economic behavior of farmers,farmers credit behavior basic theory,rural credit market theoryto explain the behavior of the rural economy lent large grain,and secondly,the economic behavior of households and lending practices were simple analysis,on this basis,analyzed the large grain of Anhui financing conditions and problems,and then Research on the basic situation of the surveyed areas,lending environment,surveyed large grain size of loan funds,loan interest rate,loan interest and make assumptions.Finally,use the descriptive statistics on factors that may affect large grain lending practices carried out statistical analysis,respectively,from friends and relatives to borrow,to borrow usury,lending to formal financial banksinstitutionsthese three side to empirical analysis of influencing factors.The results showed that non-farm income and total household arable operating area for friends and relatives to borrow was a significant test,total household arable operating area and headed as village cadres of the usury lending was a significant test,off-farm income,total household arable land area of operations,headed the political landscape was a significant test for the banks and other formal financial institutions lending,therefore,factors affecting the lending practices of large grain four,non-farm income,total household arable land area of operations and head of the household as village cadres,the head of the household political affiliation.Description large grain scale of operation and their own identity are affectedon the lending behavior Accordingly the following recommendations,at the national level: deepen the reform of rural financial institutions,establish and improve the rural credit guarantee system and rural credit environment,standardize and develop non-formal financial lending institutions,improve the agricultural insurance system;large grain itself: large grain of culture financial awareness,improve the cultural level of large grain and skills training for the large grain.