Research On Farmers' Financing Problems In Jiangling County, Hubei Province

In recent years,with the rapid development of China's market economy,the role of capital in supporting and promoting the economy has become increasingly important and obvious.China is a large agricultural country,and the rural economy is the basis of the whole national economy.Hubei Province is a major agricultural province in China,and Jiangling County is also a major agricultural industry.In recent years,Jiangling County has developed rapidly in industry and tourism,but the development of rural economy is relatively slow.One of the important reasons is the lack of funds in rural areas and the difficulty of the farmers financing.Based on this,this paper investigates and analyzes the financing situation and existing problems of farmers in Jiangling county.On the basis of extensive access to the relevant literature on the farmers financing,this paper first combs the economic situation and the main ways of farmers' financing in Jiangling County macroscopically,and then investigates and studies the basic situation and financing situation of farmers in Jiangling County.Through questionnaires and interviews with farmers in Jiangling County,Hubei Province,this paper sorted out the basic information of the respondents in Jiangling County,such as gender,age,education level,annual family income and family income sources,as well as their financing needs,the reasons for financing failure,the channels,scale and cost of successful financing.Use,repayment period and other financing situations.Through collecting information and data,this paper summarizes the main ways of the farmers financing in Jiangling County and their opinions and views on financing.It is concluded that farmers' financial market in Jiangling County has formal financial opportunities because of information asymmetry,low willingness of formal financial institutions to help farmers,and exogenous rural financial institutions.There are some problems such as imbalance between supply and demand of funds and non-standard financial institutions.Combining with the excellent experience of the farmers financing at home and abroad,this paper puts forward some suggestions to alleviate the financing difficulties of farmers in Jiangling County from three aspects: the support of formal financial institutions,non-governmental financial institutions and government departments,including the innovation of the loan business of farmers in formal financial institutions,the development of non-governmental finance,the innovation of rural mortgage guarantee mechanism and the construction of rural mortgage guarantee mechanism.Rural credit reporting system and strengthening the government support.