Study On Loan Demand And Influencing Factors Of Herdsmen With Different Incomes In Xinlin Gol

In recent years,the state has constantly proposed to deepen the reform in the field of agricultural finance.As an important link,agricultural lending is of great significance to agricultural and animal husbandry production and an important starting point for rural revitalization.Xilingol league area of Inner Mongolia is China's important production base of animal products,animal husbandry development affects the whole economic society,and Herdsman as the main body of livestock production process,its economic behavior plays an vital role in livestock production,in recent years the region Herdsman years borrowing situation has happened more,Herdsman loan demand,analyze the causes for improving Herdsman production and living quality,improve the development of the agriculture financial is of great significance.Based on the above background,this article from the Angle of income disparity,based on the field survey of 184 Herdsman using Logistic model analysis it is concluded that:in the whole sample regression model,the fixed number of year of the education,whether the village cadres,whether trained,have to bank loans and has positive effect on borrowing needs experience,sexual life expenditure has a negative influence on borrowing needs.Further on Herdsman income group regression found that whether any loans from the bank experiences and trained for three income groups all have significant positive influence,the scale of production for high income group Herdsman has negative significant influence,and has a positive influence on low and middle-income groups Herdsman,productive expenditure for low and medium income group Herdsman has significant positive effect,no significant influence on high-income Herdsman.This paper also USES the method of cross analysis to conclude that there is an inverted u-shaped relationship between age,annual income and loan demand of herdsmen.