An Investigation Report Of The Financing Behaviors Of Farmers In Qianshan Town Of Anshan, Liaoning Province

In recent years, finance has always been the core of modern economy, rural finance is an important part of modern finance, plays an important role in the development of the national economy, China is a large agricultural country, rural areas, agriculture has always been the focus of state and society, the farmers as the main body of the micro economic activities, but also the rural the minimum life and economic organization unit, with the continuous development of the rural market economy, the increasingly active economic behavior. In the "three rural" issue, rural finance has become the most urgentThe financing difficulties of farmers is one of the key problems that hinder the development of modern agriculture, restricting rural income increase, the problems of rural economic development. However, the weakness of agriculture, farmers are the lack of mortgage and guarantee, the rural finance credit system is not perfect and other factors make the farmers financing difficulties, the rural financial supply and demand can not achieve effective docking, rural credit cooperatives as the main force of rural finance in China, in the promotion of rural economic development, increasing farmers’ income, and played the most important. This paper is mainly to farmers in rural financial market financing main body as the starting point, the random questionnaire survey was conducted in Qianshan Town Anshan city farmer. From the individual financing of the main factors, including gender, age, survey of the cultural level and served as village cadres; family factors and financing, including financing subject, family income level and the scale of agricultural production.The characteristics of financing institutions respectively expounds the factors influencing the effect of farmers’ financing behavior, and through the normative analysis and quantitative analysis, the establishment of logistic model, the empirical analysis for the influence of farmers’ financing behavior. In the financing characteristics of rural households, respectively, carries on the analysis to the financing characteristics of peasant farmers from various financing channels, financing scale, financing cost, financing terms and duration of use. From the survey area, farmers financing channels to informal finance, and the town of Anshan city farmers prefer informal finance in the relatives and friends to borrow. It is convenient and fast, able to meet the farmers’ temporary needed funds, the scale of financing, formal finance mainly for farmers to provide large sums of money demand, and small amounts of money demand is mainly provided by non formal finance. On the financing costs, the informal finance in a low interest loan from relatives and friends in the most even without interest, on the other hand, high interest rates to small loan companies and underground banks do banks several times. In the purpose of financing, Anshan Qianshan Town farmers to living expenses. Education, health care still accounts for a major expenditure. The seasonal agricultural production makes the rural financial demand is also showing a seasonal characteristic. Their financial needs with arbitrarily large, high frequency, small size, one needs time, lack of planning. And restrict the agricultural production is affected by the objective conditions of the natural environment is very significant, a large number of agricultural production is still to follow the "Chun Xia and" four season cycle, the financial demand will show typical characteristics of "short, small, frequent, urgent". At the same time, compared with the western developed countries, China’s agricultural and sideline products still is the primary form of production, processing proportion is low, agriculture related industry profit is low, low profit determines the rural finance. Compared with the general industrial and commercial enterprises, the supply of agricultural products is small and the market price of the recipient, once the market price changes, it may bring huge loss to the farmers’ production and operation, resulting in agricultural lending risks. But farmers also have characteristics of higher security and transaction cost. On the basis of these issues, to further promote the reform of rural finance, the establishment of a multi-level wide coverage and sustainable financial support system, the formal financial institutions to accelerate business transformation, increase the agricultural business, expanding the scale of the loan guarantee mechanism and methods of innovation, innovative credit products and services, enhance the effect of financial support for agriculture. Through the establishment of a special fund to inject capital into government guarantee, through direct stake in Guarantee Corporation, the private capital to participate in the enterprise shares, etc.