Study On The Factors Affecting Farmers' Financing Demand In Poor Mountain Area

Farmers occupy a very important position in China and are the microeconomic foundation of China's rural areas.In recent years,China's economy has developed at a rapid pace,farmers' incomes have grown rapidly,and the willingness and scale of farmers' financing needs have also increased.However,due to China's unique urban-rural dual economic structure and the particularity of agriculture,there are many problems in farmer financing.The core of modern agriculture,the development of rural economy and the improvement of farmers' income are all to solve the financing dilemma of farmers.Wushan County is a key county in the ecological construction of the Yangtze River and the development of the western region.It is also a national poverty-stricken county.It is an effective way to explore the financing difficulties of farmers in poor mountainous areas.It is not only related to the overall development of Wushan agricultural economy and the continuous growth of farmers' income,but also to the realization of “rural "Revitalizing the strategy" is of great significance in winning the fight against poverty.Guided by rural financial theory and information economics theory,this paper is based on the survey data of 276 households in Wushan County,and writes the full text of the article “Finding the literature-field research-analysis problem-positive test-proposing suggestions”.Firstly,the status quo and particularity of poverty in Wushan County are introduced,and then the current situation of rural economy and rural finance financed by farmers is analyzed.Secondly,according to the field research data,the basic characteristics of farmers' financing needs are introduced from the aspects of farmers' financing demand channels,uses,scale,cost and duration,and the problems existing in them are elaborated.Finally,according to the Logistic model and the multiple linear regression analysis method,the factors affecting the willingness and scale of farmers' financing needs are analyzed and evaluated.The research of the thesis shows that the willingness and scale of farmers' financing needs are mainly determined by the age of the household head,the education level of the head of the household,the financial policy support for financial institutions,the labor burden,the annual household income,the household production expenditure,the housing purchase and housing expenditure,and the family medical education.The impact of factors such as expenditure,social capital,and village type.To this end,this paper proposes relevant countermeasures and suggestions from the government level,financial institutions level,private lending level and farmers' own level.