Research On The Demand Of Formal Credit Service For Rural Residents In Dalian City

The problem of farmers' loan is an important part of the problem of "agriculture,rural areas and farmers" in China.The no.1 document of the central government has always paid attention to the construction of rural financial system,and farmers' borrowing is the bottleneck to solve farmers' income level.Therefore,this paper mainly analyzes the borrowing problem of rural residents in dalian.At the same time,the development of China's rural financial market shows a trend of diversification,formal financial lending and informal financial lending coexist.In addition,with the modernization of rural areas,the types of operation of Chinese farmers have been increasing,and their income sources have been diversified and their income composition has been continuously enriched.Therefore,it is of great theoretical and practical significance to deeply study the current situation,characteristics and constraints of farmers' credit under the new situation.Based on the theory of rational peasants,moral theory of small-scale farmers,crutch logic theory,agricultural credit subsidies theory,rural financial market theory and imperfect competition market theory related financial theory,combing definition of peasant household borrowing,lending formal and informal lending,credit constraints,such as concept,secondly,based on the dalian effective questionnaire for field survey on 137 rural residents,according to the personal characteristics,family characteristics of peasant household and the production and business operation characteristic has carried on the detailed investigation,understanding,analysis the status quo and characteristics of peasant household borrowing;Thirdly,the paper analyzes the performance of formal credit constraints faced by rural residents in dalian city,analyzes its internal causes and influencing factors,and finally puts forward feasible Suggestions.Through research and analysis,it is found that farmers' borrowing behavior is relatively common,and informal financial channel lending accounts for a large proportion.The amount of borrowing tends to be small-amount lending,and the borrowing USES are mainly focused on productive expenditures,and the borrowing term is mainly focused on short-term borrowing.The constraints of farmers' formal credit are affected by both supply and demand.From the perspective of demand,the influencing factors mainly include the basic situation of farmers' families,the geographical location of farmers,the source of family income,the main business of family operation,the area of cultivated land under family operation,and the assets and expenditure of farmers' families.From the perspective of supply,the main influencing factors are the size and organizational structure of formal financial institutions,the management of rural financial institutions,and the financial status of rural financial institutions.Based on the above investigation and analysis,the paper puts forward policy Suggestions,that is,to improve the financial awareness of farmers;Strengthening the self-construction of financial institutions;Optimize and improve the rural financial system;We will improve the rural support system.