Research On The Problem Of Farmers' Loans In Limin Town Of Shangqiu

At present,China's rural financial repression seriously hindering the development of China's rural economy,resulting in China's rural financial repression is the fundamental reason for China's rural financial system is still not perfect,the perfect embodiment is that the information asymmetry between farmers and financial institutions were serious,specifically in the form of loans to farmers the show.Therefore,the loans to farmers in China difficult background,proposed through the screening of household characteristics,analyze the factors of loan demand and obtain loans for farmers' households,to explore the influence factors of farmers' loans,and on the basis of this generalization leads to loans to farmers reasons,At the same time,it provides the reference for the products and services of the rural financial system,and provides guidance for the farmers to obtain loansStudy of foreign rural finance and rural credit implementation mode and experience has important reference function to promote the development of China's rural finance and the rural credit guarantee system.However,from the existing research results is not difficult to find foreign scholars for rural financial research focused on developing rural financial problems,and design the main concern of system and financial institutions,the level of the supply of rural financial aspects of research;domestic scholars for the study of rural finance mainly focus on rural financial products,farmers financing channels,the rural financial system these three aspects,and research in all aspects of domestic scholars and There is no unified opinion.As far as the research subject,research at home and abroad are mostly from the rural financial supply side as the research object,or to individual farmers as the research object.So,it provides certain research space for this study.In this paper,the farmer family as the research object from the perspective of farmers.,to analyze and study the factors of rural credit market information asymmetry serious has impact on Farmers' financing,mining related factors affecting farmers' financing,to provide certain reference value for the future research.Through on-the-spot investigation and liminzhen through investigation questionnaire to collect relevant liminzhen loans to farmers first hand data,the contents of the questionnaire include the basic situation of rural families,characteristics of peasant economy,the peasants' demand for financial services,rural financial products for the service level and so on.In addition,in the research of the local financial institutions visited liminzhen and collect data.Through the collation of information obtained by research,this article through the questionnaire on the rural family characteristics,family economic characteristics,farmers on the financial knowledge degree,statistical analysis of household borrowing behavior were,on the basis of visits Get the people in the town of financial institutions,summed up the problems existing in current liminzhen farmers loan process,and has carried out analysis.Finally,according to the people in the town farmer loan difficult problem puts forward some relevant suggestions,in order to alleviate the information asymmetry between farmers and rural financial institutions,increase farmers loan rate.