The Empirical Analysis Of Farmers Credit Demand In Less Developed Area

Farmers is not only producers of agricultural products, but also the main demanders of rural finance markets. In the wake of Reform and opening up, the development of rural economy has become more marketization, production, the management methods has become diversification,the production mode is changing to be reproduction from the simple mode, lots of farmers more increasingly depend on rural credit.on the one hand, the credit demand of farmers has effect on the rural finance maket scale and structure, the production and living expenses of themselves.one the other hand, supply of the rural financial credit has effect on the scale of farmers productive investment and goods demand.Therefore,the situation of credit demand and satisfy has influence in the development of rural economy.With rural-urban integration and the rapid development of rural maket economy, nowadays,rural agricultural has become more industrialization, large-scale, marketization than before, fund needs for rural agriculture is growing increasingly. According to China’s current conditions, fund needs of farmers present diversified uses, demand expansion and loan normalization features, which has broken the credit mode of previous seasonal agricultural products. Because of low economy, culture level and the high loan costs of rural finance department, normal farmers always can not get loan from the formal finance department, leading to folk financing activitily. How to improve above presents,that is one of the importantest subjects in this thesis.This thesis takes Sangzhi county of Hunan province for example, basing on farmers’ basic imformation, rural loan environment, loan demand, summarying analysis four factors, which are farmers’quality, rural loan enviroment, rural finance department and policies.According to study in this thesis, there are three views which could be concluded, first, nowadays the credit is demanded strongly in less developed area, very few farmers’ credit can be supplied, the vast majority of farmers through private lending is completed. Second, with Reform and opening up, the informatization accelerately develops,with the increase of farmers’ quality, the scale of rural credit demand will be further increased. Thrid, Strengthen the rural economic, increase farmers’ level of education, improve rural credit system, will greatly promote the development of our rural credit. With further development of China’s economy, the income and culture of farmers further improve, the demand for rural of derection and scale will change greatly, and bring new challenges, we learn from the developed countries’ measures, also need to formulate policies which are targeted for less development area. first, to improve the quality of farmers, change the idea, to improve the external and domestic management. Second, to improve revelant laws and regulations, to build good atmosphere of financal credit. Third, to Broaden the channels of funding, stable source of funds. Forth, to regulate private finance to meet the credit of farmers’ need. Fifth, to ensure reasonable credit, to innovate credit mode. To improve living level of farmer in less developed area, and production structure, make a contribution to the development of local economy.