A Study On The Demand Of Micro-credit And Its Influencing Factors Of Peasant Households In Pinghe County

The government of Chinese has been paying attention to the issue of“agriculture,rural areas and farmers” for 15 consecutive years.Since2003,the “three rural” areas have been the focus of the “No.1” document.The great innovation of rural financial work lies in the creation and development of rural microfinance.Its main purpose is to serve the rural low-income people,provide them with small credit loans,help them solve the funding needs and help them get rid of poverty and get rich.The development of rural microfinance has a great effect on the improvement of rural financial market system,and it is of great help to farmers to get rid of poverty.It is conducive to the realization of sustainable development of rural economy and is conducive to rural social stability.Studying farmers' demand for microfinance and its influencing factors,it has a guiding role for financial institutions to use their own advantages to develop local-oriented loan products;it has a guiding role for financial institutions to improve their credit supply and service capabilities,and strengthens the government's understanding of farmers' needs.The formulation of a microfinance policy that effectively meets the credit needs of most farmers has a guiding role.Based on the theory of microfinance for farmers,this paper expounds the specific practice of microfinance in Pinghe County,Fujian Province,including the recent development of microfinance work and the main approaches taken;in literature review,qualitative analysis and expert consultation On the basis of this,the factors influencing the microfinance demand of farmers were screened out,and local farmers were surveyed in Pinghe County,Fujian Province.Through the compilation and statistics of relevant survey data,the demand for microfinance and the impact of microfinance farmers themselves.Descriptive statistical analysis of factors,family comprehensive influencing factors,government policy influencing factors,and factors affecting bank capital supply,and using logistic regression analysis and multiple linear regression to measure the influencing factors of farmers' microfinance demand,and master farmers in qualitative and quantitative terms.Microfinance demand and its important influencing factors,and based on the above research,propose countermeasures from the level of government and financial institutions,that is,the government level should strengthen the promotion of microfinance policies and enable farmers to strengthen their knowledge of related financial business.Understanding,we must increase the skills of farmers It is necessary to improve the security system for rural microfinance;at the financial institution level,it is necessary to improve the enthusiasm for handling microfinance.It is necessary to formulate a reasonable loan quota according to the actual situation of the farmers,and to flexibly adjust the loan interest rate appropriately,and to flexibly adjust the credit period appropriately.The credit service innovation,simplifying the loan process and promoting efficiency,etc.,in order to provide a scientific theoretical basis for meeting the financing needs of farmers and promoting the development of rural microfinance.