Research On Farmers' Financing Difficulties And Countermeasures Under Partial Disequilibrium Perspective

This article through to the present situation of the rural credit cooperatives and farmers loans for comparative analysis,it is concluded that the supply and demand of rural credit cooperatives and farmers microcredit local imbalance is the main cause of farmers financing predicament.Through analysis the reasons of farmers' financing difficulties mainly has two aspects of farmers and rural credit cooperatives,mainly in terms of farmers was 2 1,there is no fixed mortgages,high transaction costs 3,farmers do not have a high level of understanding of the credit and trust.Mainly 1,the financial repression in rural credit cooperatives under the system of rural credit cooperatives disorder 2,rural credit cooperatives loan amount,term 3,microfinance of rural credit cooperatives in the process of "lend" problem.Based on the analysis of the farmers and the reason for difficulties in financing,and through to the Heze city of Shandong province 324 rural families and 15 by rural credit cooperatives loan conditions,field investigation,and on the basis of the two data respectively from the aspects of farmers and rural credit cooperatives influence farmers empirical analysis the reason of financing difficulties.Based on the survey sample data from farmers,this paper USES Eviews software to estimate the model parameters and establish a regression equation based on the possibility of financing from rural credit cooperatives.Family members to the highest degree in natural conditions,family farmers land area,family per capita housing area per capita,income in the farming income,wage income,consumer spending in education spending,living expenses by significance test,which of these factors has a significant effect on peasant household path of financing preference.In rural credit cooperatives,two parts of the investigation are mainly focused on the current situation of the existing assets and the other is the investigation of the household loan business.Through the literature research and analysis of the factors that have influence on the peasant household loan amount,the factors affecting farmers loan amount of multivariate regression model is established,on the factor analysis,thereby affecting the root cause of the farmers financing predicament.Based on the current situation,reasons and empirical analysis,this paper proposes Suggestions from farmers,rural credit cooperatives and countries to alleviate rural financing difficulties.The state,mainly to give certain policy support;Rural credit cooperatives,mainly to improve the internal system,service system construction;Farmers,improve their credit rating and so on.