Investigation And Analysis Of Farmers’ Borrowing Behavior

The policy of reform and opening to the outside world, at the same time, rural economic development, to promote the new rural construction has already become the most arduous task in the development process of China’s modernization, the focus of the new rural construction focused on how to solve the "three rural issues", including rural demand for financial services, business types for rural population shift, the agricultural structure adjustment. There is a serious shortage of funds in the rural environment, which restricts the rural economic development, and seriously affects the income level of farmers. Rural finance to rural economic development to the very important role, and play an important role in the rural financial market lending is that farmers, to farmers as investigation object, conducts the research to the borrowing behavior of rural households, to analysis the farmers borrowing needs, understand farmers’financial environment and to promote the rural economic development is of great significance.This paper in the rural financial theory, behavioral economics theory, theory of financial repression, the credit theory is simple to learn, to summarize the existing research results, by using field survey method, statistical analysis method and quantitative analysis method to 1340 peasant households in Liaoning Province as the research object, on the lending behavior were a series of studies. The first is the analysis sample of household characteristics, understand the basic situation of peasant households in Liaoning Province, followed by the borrowing behavior of rural households overall analysis and feature analysis, based respectively on different scale, different income and different types of households borrowing behavior and characteristics analysis, followed by multivariate Logistic model for quantitative analysis, to draw on the factors that affect the farmers’lending behavior.Finally according to the results of the analysis concluded that peasant households generally have the phenomenon of the shortage of funds, loan demand is not easy to be satisfied, and access to credit to non formal financial borrowing and of formal financial institutions, service satisfaction is not high, small amount debt, borrowing funds for production characteristics. On the basis of the conclusions put forward the corresponding policy recommendations.