An Empirical Analysis On The Factors Of Influencing The Credit Availability Of Family Farms In Wuhan

Based on the field survey of family farms in Hubei,Wuhan Province,this paper uses Logistic model to analyze the factors that influence the credit availability of family farms.The results show that the family farm capital source of private lending and endogenous financing,a small part from the commercial bank loans,the loan is originated from the farm for rural commercial banks,funds a few joint-stock banks and large state-owned banks to obtain loans;mainly used for long term investments,such as transfer of land,agricultural loans for purchase;is the main type of mortgage loans and loan two,higher financial institutions require collateral or guarantee,so there are a lot of family farms,especially in the early stage of development of the part of the farm loan demand was not satisfied.Learn from the outstanding achievements of the American family farm over the years by comparison,found that cooperation and policy finance is the foundation and core of constructing the rural financial system,all levels of government financing guarantee,and promote the healthy development of rural finance.The success of the family farm financing in the United States is of great significance to the family farm financing in china.Accordingly,put forward the following suggestions: to deepen the reform of financial enterprises,and actively develop the family farm financing channels,the establishment of a credit system to adapt to the development demand of modern agricultural development;family farms to improve their management level;support system suitable for the current development of family farm credit.