Study On The Influencing Factors Of Farmer Financing Demand In Anhui Province

The financing difficulty of peasant households has always been a worldwide problem,and scholars have carried out various studies to solve this problem,but this problem still exists in many countries.With the development of China's socialist modernization and the development of market economy,the marketization of the rural economy and rural production and operation of increasingly prominent diversity,farmers demand for money is also more intense,but lack long-term supply of rural financial market in China,the funding gap is huge.China's rural population 589.73 million people,accounting for 43% of the proportion of the total population,the primary industry accounted for 4.3% of GDP,the agricultural population accounts for 70.5% of the province's population in anhui province,the first industry to the contribution rate of 3.46% of GDP,farmers and rural economic development in anhui province and has an airy place across the country.Party's 19 th 2017,puts forward the strategy of rejuvenating rural big report published the 2018 "the central committee of the communist party of China,the state council about the opinions of the implement the strategy of rejuvenating the country",then li prime minister in the government work report also highlights the vigorously implement the strategy of rejuvenating the country.We can see the determination of the CPC central committee to resolve the issue of agriculture,rural areas and farmers.Farmer's capital sufficiency directly affect the production status and family lives of rural economic development level,farmers financing difficult problem is the core of the problem of "agriculture,rural areas and farmers",is to promote the reform of rural financial market and the basis for the development of rural economy.Based on this,this paper takes the influencing factors of the financing demand of peasant households in anhui province as the research object,and promotes the settlement of farmer financing in anhui province and the development of rural economy.This paper first analyzes the farmers demand behavior theory basis,and through the survey data to analyze the characteristics of anhui province farmer financing demand behavior,and then after theoretical analysis and the statistical description affect farmers financing demand hypothesis is put forward,and carry on the empirical analysis.When selecting influencing factors,considering the diversity of farmers' individual talents can lead to diversity and farmers financing needs of farmers' financing needs are influenced by the rural financial market,this article from the farmers individual talents and rural financial market to analyze the influence factor of two angles.Then,the logistic model was used to analyze the influence of individual endowment and financial market factors on the financing needs of farmers.Finally,some Suggestions were proposed for the financing difficulties of farmers in anhui province.The research results show that :(1)the characteristics of farmers' financing needs,the rural households' borrowing behavior is common,and there is a strong demand for financing;The financing demand of farmers mainly inclines to the demand of living financing;The financing method is mainly based on private informal institutions;The scale of financing is mainly small and medium scale under 50,000 yuan;The participation of traditional financial institutions is relatively high,and the participation in cooperative finance such as capital mutual aid and village and town Banks is not high.There are already some people in the Internet finance actively trying,but the proportion of the overall farmers is not high.(2)about the factors that influence the farmers financing needs of farmers in age,interest rate,financing deadline has a significant negative effect on financing demand,farmers education,social status,have significant positive effects on financing needs,the income level of farmers,family labor force,the production type,no significant impact on farmers financing needs funding cycle.For anhui province farmers financing difficult condition,this paper puts forward some Suggestions:the government dominated the establishment of rural credit system,construction of formal and informal financial institutions vertical cooperation of rural financial system,strengthen product innovation financial markets for farmers,and promoting the construction of rural social security system in line,solve the trouble back at home of farmers,strengthen farmers own credit ability.