Investigation And Research On Loan Behavior Of Farmers In Liaozhong District,Shenyang

As a big traditional agricultural country,how to properly solve the problems of "agriculture,rural areas and farmers"(rural,agricultural and peasant)is an important way to promote the sustainable development of the country.Want to raise farmer income,develop rural economy,accelerate the progress that advances agricultural modernization,cannot leave the healthy development of rural finance.And among them,farmer household borrows money is rural finance important part.With the rapid development of rural economy,farmers' demand for funds is becoming more and more exuberant.Therefore,the study on the borrowing problems of farmers plays a crucial role in the vigorous development of rural economy and the construction of new socialist countryside.This paper is divided into five chapters.The first chapter is the introduction,which elaborates and explains the creation background,cited literature,survey content,methods and other aspects of this paper.The second chapter is to explain the concept of farmers' borrowing behavior and enumerate the relevant theoretical achievements.The third chapter is based on the current situation of farmers' borrowing behavior in liaozhong district,and analyzes the borrowing behavior of farmers in liaozhong district.The fourth chapter is the analysis of influencing factors of farmers' borrowing behavior in sample areas.Finally,conclusions and Suggestions are drawn to provide effective references for the research in this direction.In the survey of the sample areas,the author found that farmers in liaozhong region generally have the following characteristics in the borrowing process: borrowing behavior is relatively common,71.9% of farmers in the sample data have had borrowing behavior.The loan term is short,mostly less than one year.The loan limit is small,generally less than 50,000 yuan.Interest rates vary widely.For example,in informal financial loans,most loans from relatives and friends have no interest rate.But borrowing from private lenders is relatively expensive.The sources of borrowing mainly come from formal finance and informal finance,among which informal finance is the main source.The purpose of borrowing is mainly productive consumption,but the proportion of living consumption is also high.The credit form that farmer household borrows money from formal finance channel is with guaranty give priority to.The credit form that farmer household borrows money from informal finance channel is with oral loan give priority to.In this paper,the following measures are proposed to adjust the borrowing behavior of farmers in liaozhong region: first,promote the diversified development of financial institutions and meet the diversified borrowing methods.Second,we need to build a team of professionals to improve the service efficiency of financial institutions.Third,we will establish and improve the rural social security system and increase the participation of regular financial channels in lending.Fourth,we will focus on regulating the private financing market and giving full play to the advantages of informal lending channels.Fifth,strengthen education publicity of financial knowledge and improve farmers' financial awareness.Sixth,we will promote the mortgage of property rights and increase the availability of loans to farmers.