Investigation Report Of Luobei County Farmers’ Loan Situation In Heilongjiang

The" three rural" problem is a hot issue in recent years in China. On February 1,2016," a number of opinions on strengthening the reform and innovation to accelerate the construction of agricultural modernization ", this is the major theme of agricultural modernization in the central No. 1 document since 2013. A well-designed rural financial intermediary system, especially the liquidity or investment loan provided by rural financial institutions, can promote the adoption of modern agricultural technology and production mode by farmers and accelerate the development of agricultural modernization.As an important commodity grain base, Heilongjiang province should give full play to the advantages of the main grain producing areas and the important commodity grain bases in Heilongjiang province, in 2014, the grain production in Heilongjiang province reached billion million, and realized " nine continuous ", and continued to consolidate the status of" the first province of national food growing". By the end of 2014, the total grain production in the region has reached 5708.4 yi, and the commodity grain delivered to the country is 4462.3 yi, effectively solve the problem of food security, meet the needs of the people’s normal life, and become an important force of the development of national agricultural economy. The agricultural problem is always the fundamental problem of the economic development in Heilongjiang province. The fertile soil of luobei area is one of the three famous black soil zone of the world, is an important part of Great Northern Wilderness granary. at present, there are many constraints in the development of agricultural industrialization, farmers face serious credit constraints, more than half of farmers with effective demand are unable to obtain loans from formal institutions due to credit rationing.This paper takes the luobei county of Heilongjiang province as the breakthrough point, using sampling survey data of 300 rural households, investigates the rationing behavior of rural formal financial institutions providing credit service to farmers from the empirical perspective. Taking the form of questionnaire survey, taking luobei farmers as the investigation object, in-depth analysis of individual farms and villages,take the form of wechat survey questionnaire and actual farmers visit survey, using data statistical analysis and practical investigation to investigate the local farmers’credit.There are five big chapters in the paper:The first part: introduction, starting from the current situation of agricultural development in Heilongjiang province, analyzes the development status of local financial institutions, analyzes the farmers’ loan business, and explores the background and significance, research ideas and methods of paper research.The second part: analysis of the status of luobei loans, mainly including the local financial institutions to the nongdaikuan policy, the present situation and characteristics of farmers’ loan demand, provide a big background for the study of luobei loan problem.The third part: the specific situation of luobei farmers loans in the form of questionnaire survey, through the different types of farmers ( pure farming, animal husbandry, individual business and so on ) questionnaire and questions, questionnaire survey on farmers’ financing channels, financing scale, financing cost, financing purposes, summarizes farmers’ current credit demand status, and analyzes the related problems of farmers’ credit.The fourth part: using the SWOT analysis method to analyze the advantages,disadvantages, opportunities, threats of luobei farmers loan, and draw out the countermeasures.In the fifth part, the paper puts forward some suggestions and countermeasures for the sustainable development of local farmers ’credit demand in Luobei County,and discusses the supply and demand of farmers’ loans in Luobei County, which is based on the actual situation of the local area and read a lot of references in the research process. Differences in the issue of sustainable development of farmers to promote loans to improve the rural financial environment to support the province’s rural economy better and faster development.