Research Of Apple Farmer Credit Behavior Influencing Factors

With the continuous development of agricultural industrialization,apple producing grain planting large,professional cooperatives operating subject appeared a ulti-level financial needs,and presents the trend of rising year by year.As a family as the unit of the proportion of borrowing needs small farmers are relatively low,small business is the main form of agricultural management for a long time in China.Look from our country's rural financial supply,the financial system exist obvious,farmers borrowing constraints phenomenon is relatively serious.Few borrowers get most of the lending money.From the demand point of view.Influenced by individual characteristics and economic characteristics,farmers' accept degree of the formal financial institutions is insufficient.Small farmers thought has also led to to borrow in order to improve their own endowment,the most lending in order to maintain basic family functioning as the goal,this limits the farmer income increase,and the further development of agriculture itself.With China's accession to the WTO,agricultural market open further,farmers in China is facing more and more international competition,the credit in raising farmers own endowment,increasing agricultural input,and improve the competitive ability of the farmers has a very important role.Therefore,the study of peasant household borrowing behavior is particularly important to exploring the influence factors of peasant household borrowing.First of all,the article to the peasant household borrowing behavior and its influencing factors in literature review.By summing up the domestic and foreign scholars in different areas of the rural financial structure,existing problems and the farmer's financial behavior and influence factors,found that developing countries have a common phenomenon of financial repression.Most of the farmers find it difficult to get loans from the formal financial institutions.Farmers in formal borrowing money and time cost is sensitive.Productive loan demand is in sufficient.In addition to the individual characteristics and characteristics of family farmers,farmers economic characteristics,farmers credit and collateral also proved to be the important factors influencing the peasant household borrowing.Per acre income gap also obvious.In terms of the structure of family,work income slightly higher than the agricultural income.The formal lending and informal lending similar occurrences,but formal financial borrowing of funds significantly lower than the informal lending.Combined with the actual situation of farmers,this paper chose the binary Logistic regression model,Tobit model and Ordered Probit model.With these models to explore the main factors influencing peasant household borrowing.We found that peasant households age,level of education,family income,household spending money per acre usage,apple will produce more significant effect on borrowing behavior.Farmer credit,the main problems are: the formal higher borrowing costs and the farmer credit demand.In this paper,the following conclusions.For low income of farmers,the government should improve the rural social security mechanism and the establishment of cooperative medical care system.The government should promote productive lending farmers use of new varieties and new technologies.Encourage the formal financial institutions to expand farmer credit amount.Adopt the mode of group lending.