Investigation And Analysis Of Farmers' Borrowing Demand In Dashiqiao

China is a big agricultural country, Liaoning Province is a large agricultural province .We all know that in order to keep pace with China's economic development direction,and in order to safeguard the security and stability of China's financial system, China has given priority to the development of industry, and then the development of agricultural policy policy,for this reason, since the reform and opening up,China's agricultural sector To the industrial sector to send funds to support China's rapid industrial take-off, of course, this has indeed achieved some results, but also caused a systematic negative investment in rural areas, this phenomenon is increasingly heavy, seriously inhibited the rural financial development and economic development of. The farmers as the most basic business of rural individuals,there is a lot of capital needs but not effective mitigation,resulting in farmers to increase the difficulty of living standards is difficult to improve.As a result, rural finance appears to be excluded from the entire financial system, and rural finance is often in a marginalized state, a dominant position that is very detrimental to the sustainable development of the rural economy, and for farmers, unfair. At this point,because they can not get enough financial support from the formal channels, farmers will try every means to meet their financing needs, it is for this reason, private lending has its own living space, private lending in the country Legal protection can also grow rapidly,which led to a lot of funds out of the formal channels, exacerbated the rural financial risks.It is very difficult to study the rural financial system in order to explore the characteristics of the borrowing behavior of farmers. On the surface, whether it is from the financing scale or the amount of financing to explore the rural finance can not be compared with the city finance, or whether the number and size of financial institutions or from the number and type of financial instruments to explore the study of rural finance seems Always gives a very simple feeling, but this is not the case. Because China's agricultural development has a long history,a long history,agriculture,any small problem behind, may be involved in a lot of problems. Therefore, in order to obtain the correct conclusion, we need to do the essence through the phenomenon, that is, we can not only mainly consider the current exposure of the problem, we should combine the historical factors and the current situation, continuous practice and understanding, from the fundamental study The current needs of farmers to borrow, to find out the nature of the problem, after the right medicine. Only to do the unity of history and reality in order to put forward some constructive suggestions, the real solution to the problem of farmers loans.This paper chooses the farmer's credit in Yingkou Dashiqiao City as the object of study,and analyzes the farmer's individual behavior, the farmer's family characteristics, the income structure and the expenditure way through the field investigation and the statistical analysis of the farmer's credit behavior. Borrowing requirements.This paper is divided into five parts. As the first part of the introduction,the ideas and methods of the paper, as well as the innovation and shortcomings of the paper. The second part mainly introduces the credit supply situation of farmers in Dashiqiao. It mainly studies the credit supply situation of formal channels and the supply situation of informal channels. The formal channels include agricultural development banks,agricultural banks, China Postal Savings Banks, innovative rural financial institutions,and informal channels mainly include private finance. The third part is the process of farmers' willingness to participate in credit and scale research. Including the design of the questionnaire and data selection, questionnaire issuance and recovery, there is the data of the finishing and descriptive analysis. The fourth part is the main part of this thesis.Analysis of farmers' willingness to participate in credit and credit scale. The fifth part is based on the analysis of the results of farmers credit behavior rationalization of the recommendations and countermeasures.