Research On The Evolution Of Farmers' Lending Behavior In The Past 70 Years In New China

Since the founding of New China 70 years ago,the issue of "three rural issues" has always been the top priority of the country.The borrowing behavior of farmers is one of the important aspects,which can reflect the 70-year development of rural finance.The lending behavior of farmers is a multi-dimensional concept,including various lending scales,channels,sources,etc.,and analyzes its changing trend with a time span of 70 years.Relevant institutions can mediate the deficiencies of the rural credit problem based on the farmers 'lending behavior,and in combination with the current policy background,outline a complete financial market for rural farmers and provide them with a good lending environment.The analysis of farmers' lending behavior mainly uses methods such as theoretical evolutionary analysis and empirical data analysis,combined with historical literature and relevant data to describe the 70 years of farmer's lending behavior process,thereby discovering its evolutionary trajectory.This article is divided into seven chapters.The first chapter introduces the background and significance of the research on farmers' lending behavior,as well as related domestic and foreign literature,research methods and research content,and the difficulty and innovation of the paper.The second chapter introduces the related concepts and theories involved in the lending process of farmers.The third chapter mainly explains the four periods of 70 years of farmer lending behavior,from the sluggish lending market after the founding of the People's Republic of China,to the increasing frequency of lending in the early days of reform and opening up,to the deepening of the diversity of lending uses during the reform period,to the scale of lending since the 18 th National Congress And the rise of interest rates.The fourth chapter mainly uses empirical analysis to carry out model regression analysis on the data of fixed observation points in the rural areas of the country,classifies the borrowing factors of the evolution process of farmers 'borrowing behavior,and uses principal component analysis and factor analysis models to influence factors of various evolutionary behavior processes.Make an inquiry.Chapter 5 draws from the empirical analysis the mechanism of farmers' lending behavior.These mechanisms include both the internal mechanism of the farmer's own and external mechanisms other than the farmer's own.The internal and external mechanisms work together to evolve the farmer's lending behavior.Chapter 6 analyzes that there are also outstanding constraints in the process of lending to farmers.The seventh chapter is based on the above analysis,summing up the historical experience of farmer lending,providing inspiration and reference for the future healthy development of farmer lending,and providing assistance to the government to support the "three rural" financial policies.Relevant conclusions are drawn through theoretical evolutionary analysis and empirical analysis: First,the lending behavior of rural households continues to develop toward the trend of overall scale expansion;second,during the evolution of the lending behavior of rural households,their own cultural level,farmers' awareness,and their own society The social differentiation of capital and external mechanisms,market reforms,financial environment and other aspects have a role in promoting;third,even if farmers 'lending trends are good,there are still many restrictive factors that hinder farmers' lending behavior.