An Empirical Study On The Availability,Satisfaction And Its Influencing Factors Of Farmers' Credit Demand

Agriculture is the basis of the national economy,rural areas is an important support for social development,farmers are involved in the basic unit of rural economy.2017 Central No.1 document once again locked the "three rural" issue,which is the CPC Central Committee for the fourteenth consecutive year focus on "three rural",we can see China's "three rural" issue attention.However,at present,China's rural economic development is still facing the problem of financing difficulties,the demand for credit funds is difficult to be effectively satisfied,restricting the development of rural economy.Therefore,to solve the shortage of capital in rural areas is the urgent ned to solve the problem,which requires us to understand the characteristics of credit needs of farmers,credit demand availability and satisfaction and other conditions.Based on the above realistic needs,this paper based on the theory of economics and finance,relying on the questionnaire survey data of 410 farmers in 17 cities in Shandong Province,using SPSS17.0,STATA11.0,MATLAB software to solve the credit demand of farmers in Shandong Province Profitability,satisfaction and its influencing factors.First,this paper introduces the background,purpose,meaning and theoretical basis of the research.Secondly,it introduces the experimental design and sample data source of this paper,and analyzes the administrative region distribution,credit demand,credit demand and satisfaction of the sample farmers This paper analyzes the influencing factors of farmers 'credit demand availability and satisfaction degree,and uses LOGISTIC model to get the influencing factors of farmers' credit demand availability.Using PROBIT model to get the credit demand of farmers This paper discusses the hierarchical structure of the influencing factors of farmers' credit demand availability and the hierarchical structure of influencing factors of farmers' credit demand satisfaction by using ISM model.Finally,the paper puts forward some countermeasures and suggestions in combination with the research conclusion and practice.Based on the previous research,this paper obtains the first-hand data data by random sampling survey,constructs Logistic and Probit models,analyzes the influencing factors of farmers' credit demand and satisfaction,and makes use of ISM model to obtain empirical data(1)With the development of economy and the deepening of reform,the rural areas haveproduced a lot of financial needs.(1)With the development of economy and deepening reform,the rural areas have produced a lot of financial needs.However,the shortage of rural financial supply,the low availability of credit demand,and the satisfaction level of farmers' credit demand also need to be improved.(2)The influencing factors of the availability of credit demand of farmers are along the "national preferential policies ? the type of farmer's economic activities,the fairness of loans ? the level of household income of farmers,the experience of borrowing,the amount of loans and the use of loans" Qualification conditions"from the deep to the surface of the conduction relationship on the availability of credit needs of farmers have an impact.(3)Influencing factors that affect the satisfaction of farmers' credit demand Along the "past borrowing experience,loan fairness,credit rating,loan approval amount ? loan application result,farmer's awareness of financial institution ? loan procedure complexity ? finance The level of institutional service "has an impact on the satisfaction of farmers' credit demand.