临沂市农户借贷行为研究农村与区域发展专业论文.docxVIP

Study on borrowing behavior of farmers in Linyi City Abstract In recent years, as Chinas rural economy has developed quickly, there are much more financial needs of farmers. Rural informal finance can not meet the need of farmers in China , for there are some problems with rural finance. Therefore, informal finance has become the main financing channel. The borrowing behavior in rural areas is a response to the heterogeneous demand of the households, has small amount and seasonal characteristics to provide finance to farmers. Exploring the borrowing behavior of rural households is not only for the rich farmer economy with strong theoretical significance, but also promote rural economic development, improve the rural financial system, and has strong practical significance. Papers from the farmers borrowing angle, elaborated the rural economy and rural household borrowing behavior theory，and through the survey of rural households in northern Linyi and southern regions, Research data were obtained in this paper for the borrowing behavior of rural households. On this basis, analyzed the existing problems of Linyi farmers borrowing, and put forward some policy suggestions and so. The conclusion are : borrowing behavior more popular rural house holds in Linyi. And the formal loans are mostly used for non-agricultural production ; the farmer credit factors, householder age, head of rural credit cooperative loan policy cognition degree, farmer family the population of the total arable land, farmer, family property, total wages, self-employed industrial and commercial household income, working on farmers borrowing behaviors have a significant impact on farmers borrowing behaviors. The main innovation points in this dissertation are a comprehensive and in-depth analysis of farmer credit system in Linyi city from the study content. It is different with single factors influence behavior factors before, according to the sample survey from multiple aspects and comprehensively sum