Research On The Influenting Factors Of Rural Farmers’ Micro-credit Effective Demand In Western Area

As a kind of important means of poverty and anti-poverty,micro-finance not only has theobjective economic benefits, but also has the rich social benefits and micro-finance is moreand more important in poverty and promote rural economic development status. To improvethe development of rural economy,the development of farmers and micro-credit continuedgood health, the key is to improve the reform of rural financial. Throughout the developmentof rural finance in China and the academic researchers’ hot spot, the study of peasanthousehold credit problems focus gradually shifted from financial supply to the financial needs.The trend is to make our more and more attention to the research of rural financing problem.Rural finance refers to the farmers according to their own need to factor in access to capitaland face the problem. Farmers are the most direct participants in rural economic development,solving the problem of their financing directly affects the effect of the rural financial supportfor rural economic development. Therefore, understanding the essence of the farmersfinancing needs, the peasant household loans the influence factors of effective demand,encourage farmers loans effective demand for improving the level of farmers living,developing the rural economy is of great significance.With the principle of combining theory with practice, this article through to the farmers ofWestern area, the questionnaire survey to get the related data of farmers’ basic informationand its loans. Through Tobit model, on the basis of basic information from farmers, farmerseconomy, farmers loan information three aspects analysis the influence factors of affecting thebehavior of farmers micro-credit, and accordingly puts forward relevant policy Suggestions.In this paper, by using sampling survey data of farmers of Qishan Xian in Shaanxi Province,analyzes the influence factors of farmers micro-credit behavior, the purpose is to improve thefarmers micro-credit behavior, thus increasing the service efficiency of peasant householdloans, promote rural economic development of the rural financial reform in our country, toprovide policy recommendations.In this paper, the study find that affects the peasant household loans behavior is moresignificant factor include the basic information of the farmer’s farmers and loan informationfrom two aspects of factors, including age, labor force, the number of children to school, cultural degree, farmers are skilled and the annual interest rate of loan, loan term, repaymentway, whether farmers have credit rating, whether farmers loans to satisfy their needs, etc., andthe living condition of the economic conditions of farm households. And no significantinfluence factor is the value of their homes, cultivated land area and the annual householdincome, these factors belong to the economic conditions of farm households.Based on the above research conclusions, we put forward the following relevant policyrecommendations:Strengthen the propaganda of rural credit cooperatives, improve the level offarmers’ financial knowledge. Actively develop the rural science and technology promotionservices. Actively build system of joint guarantee, to carry out household self-helporganization model. Reasonable setting interest rates, reduced farmers installment borrowingcosts. May be extended appropriately according to actual condition of micro-finance loantime limit. To further improve and develop micro-credit insurance system. The governmentshould to carry out the poverty alleviation work, further play the role of guidance and support.