Analysis On Loan Supply And Demand Of Rural Residents In Zhejiang Province

China is a big agricultural country.With the deepening of economic reform and the rapid development of rural economy,the demand for financial services is increasing.Data from the Internet blue book of the Chinese academy of social sciences shows that the gap in China's "agriculture,rural and rural areas" has reached 3.05 trillion yuan.It can be seen that there is a growing demand for finance in the countryside.In view of the rural financial market,the government has also introduced various supporting policies.For example,the central document of 2016 proposed: guiding rural norms to develop Internet finance and mobile finance;A 2017 date file is specific points out: encourage financial institutions to actively use the Internet technology,as the agricultural management main body provides small deposit and payment settlement and insurance and other financial services.As can be seen from above,there is a clear imbalance between supply and demand in rural financial markets.This paper analyzes the current situation of rural financial support in Zhejiang province according to the statistics of Zhejiang province.By describing the statistics of the whole rural financial support agriculture in Zhejiang province in general situation,describes the analysis of features of farmer credit,and then analyzed the influence of the farmers loans received what possibilities factors,in order to further standardize and develop the rural financial market to provide policy advice.Based on the annual statistical yearbook data and the official statistics survey form data,this paper introduces the current situation of rural financial support in Zhejiang province.Based on Zhejiang province 286 effective families of loan data as the basis,from borrowing needs,borrowing purposes as well as the structure,the form of loans and loan interest rate statistics describe characteristics of peasant household borrowing;Finally,the Probit empirical model is used to analyze the factors that may affect rural residents' loan.Research results show that(1)in the individual household characteristics,head of the household of gender,education level,marital status,risk,factors such as gender,respectively will impact on the financial needs of the individual farmers exists,but the effect of the different factors have certain difference;(2)there is an influence on the financial demand of rural households by the residents' permanent resident population and total income level,which are related to each other,but the impact effect is quite different.(3)in the production and operation,although the impact of farming and non-agricultural households on borrowing is different,the impact is small.