Survey Report On Peasant Household’s Borrowing Requirement In Kuandian Liaoning Province

China is a huge agricultural country,the rural finance is a financial hot issue in recent years. The peasant household is China’s mainagricultural production and operation and the rural credit market demand subject. With the establishment and the consummation, the market economic system in rural areas household’s diversified production and operation as well as the development of rural industry structural adjustment accelerate, the amount of credit demand of rural financial market in the growingdemand, broaden scope, so the supply of timely and effective credit is particularly urgent andimportant. However, due to the defects of the rural financial market system and function,reasonable credit needs of households has not been fully met, also quite prominent farm creditproblems, has become the serious shackles of peasants’ income level and improve the rural economic and social development.The households borrowing used to meet the funding needs of production, life, householdborrowing needs have been met, largely directly affects households’ production scale of investment and consumption level. Formal financial institutions in Kuandian County in the supply of credit has made great progress, the benefit of a party of the people. Of course, the present situation is still not enough, also need to continue to work hard, to meet with the creditdemand of rural economy continuous development of farmer of sustained growth, and further promote the Kuandian Manchu Autonomous County in the rural economy and financialdevelopment.At present, the rural credit cooperatives financial service ability basically represent the level ofrural financial service. To improve the rural financial facilities’ service level, solvethe households in the production and consumption of the "capital bottleneck", urgent need toclarify the influence factors of households borrowing demand behavior.In view of this, this article in the form of a survey of households on the territory of Kuandian Manchu Autonomous County Credit Demand of rural credit cooperative research. Through each to the county town of different types of households(pure plant industry, aquaculture,individual industrial and commercial households) questionnaire, analyze their borrowing demand. The following factors detailed analysis of demand: production demand(such asseeds and fertilizers), business demand(operating cost), children’s education funds, housing,daily living expenses etc.. Based on summarizing the status of households’ credit demand, analyze their willingness to lend and the factors causing this situation. The borrowing behavior of rural households production also originated from different motives, probably for the performance of the three level, for the safety of life and borrowing, in order to the needs of developmentprofits and borrowing, and in order to prevent the risk of lending and to build safety netsmotivation and borrowing. Finally, find out the deficiencies of rural credit agency credit needsof households, and gives recommendations to support the sustainable development of rural credit demand in the future based on the problems found.