Investigation And Analysis Of Farmers' Lending Behavior In Qingyuan County

China as a big agricultural country,with the deepening of China's reform in various fields,the pace of adjustment of China's agricultural structure has also been accelerated.With agriculture gradually steeping into the process of modernization and specialization,the demand for financial services in rural areas is also increasing,the farmers' demand for funds is also growing.However,due to government regulation,insufficient financial supply and other reasons,there is still a shortage of funds in rural areas.Especially in recent years,the lack of rural financial institutions has become more and more serious,farmers are seriously short of funds.This has become a major obstacle to the development of rural economy.Therefore,we should further optimize rural financial supply institutions,update credit financial products,is an important means to solve the problem of fund shortage in rural areas.Under this background,farmers as the direct experience of the services provided by rural financial organizations,to take farmers as research objects,to analyze its behavior and influencing factors.It is helpful to understand farmers' demand in credit market more effectively.It has important theoretical reference value for rural financial supply organizations to further improve credit business.Based on the existing theories,this paper takes 381 farmers in Qingyuan County,Fushun City,Liaoning Province as samples,to investigate and analyze its lending behavior.First,using the descriptive statistical analysis method,this paper analyzes the current situation of farmers' overall lending behavior in the sample area,and summarizes the basic characteristics of farmers' lending behavior according to the results.Then,using binary logistic model and binary logistic model,to test the influencing factors of farmers' lending behavior and their choice of lending channels.Combined with the previous analysis,the main conclusions of this paper are as follows: It is found that farmers in Qingyuan County have a large demand for funds,the incidence of farmers' borrowing behavior is high.With the increase of farmers' age,they gradually withdraw from the loan market.Education level,number of labor force,cultivated land area,income level and loan experience all have positive effects on farmers' loan behavior.In terms of the choice of lending channels,the larger the number of labor force,the experience of loan and the close distance with financial institutions will urge farmers to choose formal channels for loan.Farmers with higher education level and income level are more likely to choose formal lending,but also prone to multi-channel lending behavior.With the increase of farmers' cultivated land,the incidence of their borrowing behavior in different channels is significantly increased.Only when farmers have a high understanding of credit products,can they choose formal lending.Otherwise,they prefer informal lending.Finally,combined with the actual situation of Qingyuan County,some policy suggestions are put forward.Such as strengthening the innovation of formal financial services and financial products,expanding the scope of farmers' loan collateral,and regulating the development of informal finance.