An Analysis Of The Influence Of Factor Endowment And Stability Of Land Contract On The Credit Availability Of Farmers

As one of the indispensable factors of farmers' production,capital has great significance to the development of rural economy.However,due to the constraints of many factors,farmers generally lack effective credit support,resulting in their credit demand is not strong.Based on the modern rural financial market theory and from the perspective of farmers themselves,this paper studies the characteristics of farmers' credit demand and measures the influence of the stability of land contract on the availability of farmers' credit.It is of great significance to analyze the causes of the credit demand and the credit constraint in order to solve the problem of the development of modern agriculture in rural financial services and deepen the reform of rural finance.Based on the investigation of 304 samples in Jiangxi Province,firstly,the credit situation of farmers is analyzed,and the information can be obtained : the credit demand of farmers is small,but the number of loan is not much,and most of them do not meet their expected needs;The results show that the more land factors and capital elements of farmers,the greater the credit needs of farmers and the greater the possibility of farmers ' access to credit.The stability of land contract has significant impact on the credit demand and credit availability of farmers.The more stable the land contract is,the greater the loan demand of farmers is and the higher the availability of credit is.Finally,this paper puts forward some suggestions from the perspective of farmers themselves,financial institutions and the government: starting from the farmers themselves,We should improve our own quality and credit level and reduce the information asymmetry factors with financial institutions,and for financial institutions,we should develop credit products and service innovation according to the characteristics of farmers' own needs.From the angle of the government,we should perfect the rural credit system,optimize the rural financial environment,perfect the rural credit legal system,introduce the relevant laws and regulations,establish the rural credit insurance system and establish the rural credit insurance system.Related compensation system,deepening the reform of rural market-oriented interest rate,the implementation of interest rate control system.