Study On The Demand Of Rural Microfinance In The View Of Rural Household

China is a country with a vast agricultural base, and study on the rural financial problems especially in Chinese rural credit, domestic and foreign literature being very abundant, is a long process. But as the research field of credit for farmers, study on the supply is much more than demand. On the basis of information asymmetry, many scholars undertake studies of the question of the behavior of choosing on the subject of microcredit demand, to provide a more comprehensive direction of lending and information guidance for credit target, and make up the defect of propaganda and education from government departments as well as the lack of farmers’credit awareness, for provide the low-income client of shortage of funds with a more complete system of microfinance knowledge.This article discussed the development of microfinance from domestic and foreign and the research of experience and positive level on microfinance demand, elaborated the related theoretical basis of research on microfinance demand. Meantime, on the basis of the survey on the farmers of Hengyang Country, with Tobit method to analyze the influencing factors of rural microfinance demand concluded that the main factor affected the microfinance demand is the level of farmers’education, the level of farmers’income, expenditures from agricultural and non-agricultural production.Based on the above empirical analysis, the study analyzed the reason of demand imbalance in domestic rural microfinance with multiple perspectives, and finally put forward to the interrelated policies and proposals of credit to meet microfinance demand of farmers. From the macroscopic aspect, the proposal enumerated as follow. National governments should give every support to the improvement of microfinance institutions, the government should energetically promote the reform of the Agricultural Development Bank, carrying out the policies of tax relief for the microfinance business. And from the macroscopic aspect, the proposals enumerated as follow. Innovation of microfinance products and services, strengthen the supervision on microfinance institutions and training on related personnel, and improving the supplementary measures.