Investigation And Analysis Of Faku County Farmers’ Credit Demand

Chinese farmer widespread poverty, lack of funds, loan is important factors that hinder the development of farmers’production activities. Addition of agricultural mechanization and the degree of marketization of deepening, peasants’fund shortage problem is more prominent out, financing difficult to become the main factors restricting the development of China’s rural. How to solve the financing problem of the farmers is poor farmers an important way to ease.This paper from the point of view of the scale of farm land of by 2015 to Faku County, Liaoning Province of 331 households survey data, the peasant household according to the scale of land divided into small scale farmers land, moderate scale of farmers’land and large-scale land farmers, through the questionnaire identified whether households with credit demand. And divides the credit needs of farmers for the demand for formal credit and non formal credit demand, using binary logistic model, respectively analyzes the effect of different land scale peasant household demand for formal credit and non formal.The study found that different land scale farmers have different the influence factors of the demand for credit. For the farmers’demand for formal credit, factors affecting the scale of land farmers’demand for formal credit for the main economic characteristics of rural households, including agricultural income, agricultural income proportion, productive assets value and consumer durable value. Factors affecting the medium scale farmers land the demand for formal credit education of head of household, work experience, professional skills, family population, labor number, the number of farmers, consumer durable goods value and whether it is the village cadres, education level, and influence factors of large scale land credit demand is the total income of farmers, agricultural income, productive assets the value and network level. For the farmers of non formal credit demand, affect the economic characteristics of farmers on small scale farmers non formal credit demand significantly, including total family income, Agricultural income, agricultural income proportion, the production of asset value and durable consumer goods value, headed by the professional skills, family population, family’s total income, agricultural income, productive assets value and geographical position of medium scale land farmers of non formal credit needs significant effect, and farmers’cultural degree, professional skills, population, production of asset value and personal level of large-scale land farmers non formal credit demand have significant influence.Finally, according to the results of descriptive analysis and empirical analysis, combined with the current situation of farmers’credit demand in Liaoning Province, the relevant policy recommendations are put forward.