Study On The Influence Of Income Quality On Herdsmen's Credit Behavior

The financial development of pastoral areas is lagging behind and the financial resources are weak.The state attaches great importance to inclining the financial resources to agriculture and animal husbandry to support the economic development of pastoral areas.Under a series of financial policies,herdsmen's loan demand has been released to a certain extent,which makes the loan behavior more common."Herdsmen's loan behavior" has become a hot academic topic.In the decision-making of herdsman's lending behavior,income is a key factor,which not only affects the degree of herdsman's capital demand,but also determines herdsman's debt paying ability,and ultimately affects herdsman's lending behavior decision-making.Income is regulated by quantity as well as quality.At present,herdsmen's knowledge and skills are weak,their income level is low,their production structure is single,their competitiveness is poor,they are vulnerable to livelihood risks,their livelihood is fragile,which exposes the problems of income quality of herdsmen,and has a negative impact on the decision-making of herdsmen's lending behavior.At present,when experts and scholars explore the impact of income on Herdsmen's lending behavior,they mainly focus on the quantitative characteristics of herdsmen's income,ignoring the structural,stable,cost and knowledge characteristics of income.Therefore,from the perspective of income quality,it is necessary and innovative to explore the decision-making of herdsmen's loan behavior.Inner Mongolia has the largest grassland pastoral area in China,and Xilingol League is a typical grassland pastoral area in Inner Mongolia.Therefore,this paper selects random survey samples of 104 herdsmen in three banner counties of Xilingol League,namely Sunit Right Banner,Sunit Left Banner and Zhenglan Banner,analyzes the basic characteristics and borrowing behavior characteristics of herdsmen,from the aspects of income adequacy,structure,stability,cost and knowledge Five dimensions construct the income quality evaluation system of herdsmen,further analyze the impact mechanism of income quality on Herdsmen's lending behavior,and use multiple econometric models to empirically study how income quality and income quality affect the lending demand and scale in the decision-making of herdsmen's lending behavior.Based on this,the following conclusions are drawn:(1)income quality of herdsmen is generally higher than that of other herdsmen Poor,and there is a large gap between herdsmen.(2)The income quality of herdsmen significantly affects their decision-making of lending behavior.(3)The herdsmen with low income and quality are easy to suppress the demand of loan,which is not conducive to the optimal decision-making of loan behavior.According to the conclusion of the study,this paper puts forward some suggestions in order to improve the income quality of herdsmen,optimize their lending behavior,and provide new ideas for the realization of the positive interaction between herdsmen and financial institutions in pastoral areas,and promote the reform of rural financial system.