Research On The Differences Of Full-time And Part-time Farmer Households' Financing Behaviors

Farmers' financing behavior has a direct impact on the active level of rural financial markets.The active level of rural financial markets directly affects the income level of rural households and the level of rural economic development.Therefore,it is of great significance to understand the factors that affect the financing behavior of rural households,increase the per capita disposable income of rural households,improve and perfect rural financial markets,and support rural agriculture and non-agricultural development.However,as the scale and industrialization of agriculture have been continuously promoted,there have been significant differentiations among rural households in China.Different types of rural households have certain differences in their financing behaviors.At this time,indiscriminate implementation of various types of farmer households is implemented.Uniform policies will inevitably affect the effectiveness of agricultural policies and loan policies.Therefore,this paper studies the differentiation of rural households and explores the differences in the financing behavior of rural households with different degrees of differentiation.During the summer vacation of 2016,the research team conducted a survey on farmers in baoji,xianyang,fengxiang and chunhua counties of shaanxi province,and finally got 1030 valid data,which was analyzed in this paper.The research content of this paper mainly includes(1)descriptive statistical analysis of the current financing behaviors of farmers of different part-time employment types in the research area.By analyzing the population characteristics and part-time employment of farmers in the sample area,the basic situation of farmers is obtained.By studying the concurrent-business samples in different types of farmers financing coverage,different delelopment farmers financing channel choice and the financing scale,different types of concurrent-business farmers financing purpose,duration,and its financing satisfaction index,it is concluded that farmers financing behavior characteristics.(2)make an empirical analysis of the factors influencing the difference of farmers' financing behaviors.This paper respectively by whether farmers with the farmers financing behavior and financing scale as the dependent variable,using bivariate Probit model and the interception of Tobit regression model for the direction and strength of the influence factors of farmers' financing behavior is analyzed.Through the analysis of the above content,in this paper,the following conclusions:(1)The sample area of non-farmers proportion is the largest,followed by the self-employed and ?,full-time farmers and self-employed and ?.Farmers financing coverage,the overall low,among them with the number of farmers financing accounts for more than the minimum,followed by self-employed and ?,full-time farmers,self-employed and ? financing behavior is one of the highest.Financing channel choice,pure business households of farmers,and ?,self-employed and ? financing behavior tend to occur between friends,the farmers financing sources mainly for the predominantly rural credit cooperatives of formal financial institutions.Financing scale,full-time farmers and self-employed and ? in 10000 yuan the following,and establishment of ? and non farmers financing scale distribution in an average of 10000 yuan,10000 yuan and 100000 yuan between.In terms of financing purposes,the financing USES of the four types of farmers are all focused on living expenses,mainly building houses and treating diseases.Financing ways,financing deadline of four types of farmers are concentrated in the 12 months,24 months and 36 months,including full-time farmers mainly concentrated in the 12 months,and establishment of ? period is longer,and the farmers financing mainly concentrated in the 24 months and 36 months.Satisfaction of financing ways,farmers for financing convenience degree evaluation according to the farmers,and the establishment of ?,self-employed and ?,full-time farmers order,this fall.Full-time farmers don't know about the current financing convenience or very inconvenient farmers accounted for nearly 50%,and the self-employed and ? and self-employed and ? accounted for nearly 40%,the farmers of this type farmers accounted for about 30%.(2)The type of farmers' part-time employment has a significant impact on whether farmers have financing behaviors and financing scale.Age,the fixed number of year of the education,whether received technical training,arable land,crop type,whether cognitive,understand how easy it is to the rural finance has significant influence on full-time farmers financing credit behavior.Age,technical training,cultivated land area and rural financing convenience have significant influence on the financing scale of full-time farmers.Arable land,agricultural income,rural financing convenience cognition to the self-employed and ? financing behavior has significant influence.Arable land,crop type,object to the self-employed and ? financing scale has significant influence.Age,arable land,crop type,village finance whether cognitive,how easy it is to understand the credit to the self-employed and ? financing behavior,financing scale has significant influence.The number of households,the number of years of education,and whether they understand the credit line have significant influence on the financing behavior and financing scale of non-farmers.In view of the above conclusions,the paper finally puts forward the following policy Suggestions :(1)For the government,classified management should be carried out to strengthen the training of farmers in agricultural technology.(2)For financial institutions,the publicity of financial knowledge should be strengthened and the loan procedures should be simplified.(3)At the same time,financial products should be constantly innovated.(4)Farmers themselves should pay attention to the learning of knowledge and constantly improve their management ability.