Research On Farmers’ Livelihood Mode And Financing Behavior From The Perspective Of Farmland Outflow

With the continuous development of agricultural modernization,farmland transfer has become a hot topic of more and more attention.As the basic undertaker of farmland transfer,how to guide farmers to achieve sustainable development after farmland transfer is an important issue to ensure the sustained and stable increase of farmers ’ income,which is also the main entry point of Rural Revitalization Strategy in the new period.As an absolute number of transfer out households in the process of farmland transfer,how to maintain their livelihood development is an important problem to be solved.Actively guiding these small farmers to maintain their livelihood sustainability and smoothly realize their livelihood transformation is not only the key to promote the integrated development of rural industries,but also the due meaning of implementing the Rural Revitalization Strategy.The transfer out of agricultural land will inevitably have an impact on the livelihood of farmers,and capital is an important part of the smooth transformation of farmers’ livelihood,so the change of livelihood mode will further affect the credit behavior of farmers.Based on this,this paper uses the data of 1438 households in 20 counties of Hunan and Sichuan to analyze the impact mechanism of farmland transfer and livelihood mode on Farmers’ credit behavior.Based on the background of farmland transfer and rural industrial integration,this paper discusses the impact and significance of farmers’ successful realization of sustainable livelihood development on the development of "agriculture,rural areas and farmers" in China.According to the existing research,this paper uses the labor transfer theory,sustainable livelihood development theory,farmers’ credit behavior and other related theories as the theoretical basis of this study,and analyzes the impact of sustainable livelihood on the development of "agriculture,rural areas and farmers" The mechanism of outflow on Farmers’ livelihood mode and credit behavior;Secondly,1438 questionnaires from Sichuan and Hunan provinces are used to compare and analyze the status of different types of farmers’ livelihood in the sample areas,and descriptive statistical analysis is made on the characteristics of farmers’ families,farmland transfer,livelihood mode and farmers’ financing in the sample areas,so as to explore the capital ownership of farmers under different livelihood modes and its impact on credit behavior.Then,we further use binary logit model to analyze the impact of farmland outflow and household characteristics on Farmers’ credit behavior through survey data,and use Heckman two-stage model to empirically analyze farmers’ financing demand and financing scale under different livelihood modes,and further explore the differences between various modes.Finally,the research of the full text is summarized,and targeted support policies are put forward.Through the research,this paper draws the following conclusions: firstly,the education level and skill training of farmers are very important to guide their livelihood mode transformation,but at present,the education level of farmers in the sample area is generally not high,and the training intensity is relatively small;Secondly,the non-agricultural livelihood mode of rural land transfer households has a significant impact on the financing demand,and social capital,the present value of productive fixed assets and other factors can effectively reduce the threshold for farmers to enter the financial market;moreover,according to the empirical results,the rural land transfer households engaged in industria l and commercial operations have a significant positive impact on the financing demand,while migrant workers have a negative impact on the financing demand of farmers,but failed to pass the significance test;Finally,after the transfer of farmland,far mers engaged in industrial and commercial operations are more inclined to borrow from financial institutions,and the financing channels are normalized.Therefore,this paper puts forward the following suggestions:(1)To improve the enthusiasm of farmers to participate in the transfer of agricultural land,and constantly improve the land property rights system and rural social security system;(2)to improve the professional quality of farmers through training,publicity,improving the level of education,and increase their competitiveness in choosing jobs;(3)to increase the support for rural development,and provide corresponding supporting policies.(4)Build a multi-level and diversified rural financial organization system to provide financial support for farmers’ livelihood transformation and sustainable development;(5)establish a labor data platform to stimulate farmers’ entrepreneurial awareness.