Demonstrate The Factors Influencing The Peasant Household's Demand For Microfinance

In recent years, on Chinese rural areas financial market, development of microfinance has attracted society's broad attention. The development of microfinance is related to the reform of the banking system , it also will improve the income distribution, creates more jobs , builds new rural area of socialism. But in microfinance development course, since the restricts of realistic conditions of our country , the obvious finance restraint phenomenon has appeared in rural area financial market. The analysis is centered on a aspect mostly , that is limitation of standard finance branch fund supplies have led to the peasant household loan be hindered.In fact, the improvement of the rural finance system not only depends on fund supply of standard finance branch but also depends on the peasant household needs to borrowing a fund . That in other words, finance restrains in rural area is brought from two causes , two kinds of strengths in two aspects , one is under-supply constraint of standard finance branch fund and, the other is peasant households need loan insufficiently. A important fact been confronted with by our country rural area present is: While the agrarian finance is under-supply, the peasant household demand for fund to standard finance branch is relatively limited. Analysing the factor affecting a peasant household microfinance needs is a key link perfecting rural area credit system..The paper constitutes of these parts: introduce the theory about microfinance makes at home and abroad ; make clear of the microfinance problem such as definition , effect ;check the current situation of our country rural area credit develops; analyses the problem of small agricultural loan developing in our country , that is obvious existence of finance restraint question on need ; than I built a logit model to demonstrate the factors influencing the peasant household's demand for fund; finally submit the policysuggestion responding to the result counting.The paper constitutes of seven chapters: ChapterⅠintroduces the research background, the significance, the present situation of domestic and foreign research, the research frame, the possible innovation and insufficiency and so on.ChapterⅡdescribes the rural microfinance on the basis of relevant theories, including rural finance theory and the theory of micro-credit in rural areas and rural microfinance characteristics described in detail. These theories have laid a theoretical foundation for the analysis of the impact of China's microfinance demand factors.ChapterⅢanalyzes some of the basic mode abroad of the micro-financel. These has a very important reference for micro-finance development of China.ChapterⅣanalysis the domestic micro-credit system in development. First of all, in the understanding of China's rural micro-finance institutions and projects on the basis of an analysis of China's credit reflects the current state of development, and further analysis of China's rural credit system and problems in our country that there is an obvious demand-based financial Inhibition.ChapterⅤdescribes the sample that is Shuyang's financial development in rural areas and it's status quo of the current economic situation.ChapterⅥsets up an econometric model based on the theoretical model. According to the preceding part of the preparations for the theory derived established econometric model, the authors use a sample of 100 farmers of the region survey data, tested positive impact of micro-credit needs of farmers.ChapterⅦis the conclusions and policy suggestion.