Research On The Factors Influencing Farmers' Financing Behavior

One of the core problems of rural finance is the research on farmers' financing behavior and its influencing factors.In this study,taking Jiangxi Ganzhou area as an example,a questionnaire survey was carried out among the peasant households in Nankang,Chongyi,Xinfeng,Ruijin and Yudu regions randomly,and 60 households were sampled in each area to empirical analysis the basic situation of farmer households,farmer financing scale and term,farmer financing source and channel,fanner financing use and efficiency.The results show that the number of households was large and the household annual income was not high,so the demand for financing was high.With the quickening of urbanization,farmers' financing shows high demand for large amount of funds,long loan term,and active borrowing between friends and family.In the influencing factors of farmer's financing behavior,the age of the head of household,the education level of the head of household,the productive expenditure of family agriculture were not significant to the financing behavior of the farmer.The number of labor force was positively related to the financing behavior of the farmer,and the household income was opposite to the financing behavior of the farmer.Family life expenditure had the greatest impact on farmers' financing behavior.With the development of rural urbanization and rural modernization,farmers in the pursuit of high quality of life,household expenditure for the proportion of living was increased.At the same time,in order to further deepen the rural finance,put forward close to the market,insist on serving the "three rural",optimize the credit structure,promote the industrial structure upgrade,broaden the financing channels,service economic development,perfect risk prevention mechanism,optimize the financial development environment,accelerate financial innovation,improve the comprehensive service level,and other countermeasures.