Farm Lending Practices Influencing Factors Analysis

Since the reform and open policy, our country countryside financial industry has obtained a rapid development, the rural finance organizational reform has made a tangible progress. But in the rural finance market, the financial supplies still received suppresses, peasant household's part effective demand cannot obtain satisfies, this kind of situation not only has the rural finance supplies aspect question, but also has the peasant household finance demand aspect question; This article discuss the influencing factors of the peasant household's lend money, and we want to discover the behavior influencing factor of the peasant household, we get a investigations through the Hejin's seven village, At the same time, we puts forward the corresponding policy proposal.This article studies the object is the peasant household, the research scope is the rural finance market, including regular financial organ and non-regular financial organization system. In the regular financial organization, the Rural credit cooperative is main object, it provides the financial service to the countryside and the agricultural economy; The non-regular financial system mainly includes the folk to lend money, the folk mutual aid group, the illegal money shop, the underground Investment company and so on, these financial organization usual established in the personal connection, and have the mutual cooperation nature; The non-regular financial system is more nimble than the regular finance conveniently, so it occupies the important position in the rural finance.The peasant household's behavior is a very complex behavior activity. The factor of peasant household lends money includes the socio-economic development demands, the money market level of development, the financial policy, and so on; The more development of our socio-economic the better peasant household's production and operating activities are more frequent. Similarly, the higher development of the money market level is, the financial policy will more be the opening, peasant household's fund lends money will be more convenient, also will promote the peasant household to lend money; From the peasant household individual behavior characteristic angle analysis, the peasant's behavior is the reflection of financial market characteristic. Therefore, peasant household's sex, the age, the years of schooling, the family population and so on are very important to lend money; The different family structure have a differ from; In addition, the peasant household is also to receive the social culture, the peasant household individual value orientation and so on other factor influence.This article invest the Hejin 7 village's peasant households, and we obtains the conclusion: The influencing factor of peasant household lends money to be possible to divide into five broad headings approximately: 1st, peasant household repayments ability; 2nd, peasant household prestige level; 3rd, money market supplies; 4th, lending condition (including money market lending condition and peasant household individual lending condition); 5th, peasant household family structure; In these influencing factor, the biggest is peasant household's repayments ability, next is peasant household's prestige level.Finally, how did this article to improve the peasant household to lend money? We get some viewpoints: Although financial system's consummation and the national financial policy assists to be possible to lend money the behavior to the peasant household to have certain positive influence, but we must improve the peasant household's lend money, and they must adapt the market choice; The peasant household must have the basic condition which lends money in the money market. The rural finance product's innovation, the peasant household meet the adaptation money market requirement. After tate properties securitization, the land negotiable securities become connect the peasant household and the money market bridge, on the one hand, the peasant household depends upon in hand's land negotiable securities to make the mortgage, may very easy obtain the petty loan; On the other hand, the financial organ obtains peasant household's land negotiable securities. Because after tate properties securitization, the tate properties change may flow, and the land negotiable securities can have one to continue the stable cash flow to take the loan mortgage the basis. Therefore, if the tate properties securitization can implement smoothly, We believed that the countryside financial market certainly will obtain the big development, the regular financial organ, the Rural credit cooperative certainly will walk into particularly the more agricultural household numbers. The rural finance market will also change this kind of condition, the peasant household no longer mainly depends upon the non-regular finance to lend money now; Because the regular financial organ will occupy the majority of rural finance market.