Empirical Reserrch Of Farmers Microfinance Repayment Influencing Factors About Different Types Of Par-time Behavior

To some extent, microfinance can solve difficulties which farmers can not get loans,increase farmers’ income, support rural economic development and improve the rural financialmarket. However, the problems of microfinance have become increasingly prominent. Thenon-performing loans of microfinance in some areas increased year by year and therepayment rate is declining, seriously affecting the sustainable development of microfinance.The same time, the extent of credit farmers’ diversified continues to deepen, and affects investwill and borrowing will, which in turn will loan repayment impact. Therefore, the research ofmicro-credit repayment performance and the factors have important practical significance.This study have five chapters: the first chapter analyzes the research background andpurpose of this article; the second chapter describes the related theory of micro-credit andresearches the influence factors of micro-credit repayment performance from credit unionlevel, the external environment level and the head of the household level. Then it defines thepremise of this study and the type of chief farmers divided; the third chapter describes thecurrent status of microfinance repayment and the presence of basic problems; the fourthchapter sets variable and model. Then on the basis of logistic model it study on microfinancerepayment factors of types of four farmers: pure farmers, I farmers, II farmers andnon-farmers and obtains relationships between farm types and repayment behavior; Finally,according to the conclusion, combined with the credit characteristics of the variouspart-farmers and repayment factors, it puts forward feasible supporting policies andsuggestions in order to improve microfinance repayment rate of the peasant household.In this paper the results show that:(1) farmers＇par-time behavior can affect therepayment performance of microfinance and there has a positive relationship between them. Itis “non-farmers repayment rate> II farmers repayment rate> I farmers repayment rate> purefarmers repayment rate”.(2) The total annual income of farmers and lending rates are themost important factors which affect the farmers repayment performance.(3) The types offarmers＇par-time behavior have different impact on repayment factors of microfinance andthe difference varies at a certain sequence. In different types of farmers＇par-time behavior,household income, professional skill, credit rating, loan rates, loan purpose have positive relationship which weakens in turn with repayment performance. Meantime, education leveland loan amount have the positive impact which strengthens in turn on repaymentperformance.