Study On The Influence Of Financial Connection On Farmers' Credit Intention

China,we find that financial linkages can solve these problems.Financial linkage is a kind of financial service that the formal financial institutions and informal financial institutions cooperate to achieve the expansion of rural credit market.In this model,the informal financial institutions,with their own advantages of communication with the local farmers,through their own services,farmers will be unified information.And through the cooperation with the formal financial institutions,tied to the main body of the association,to enhance the farmers' credit,to reduce the transaction costs of farmers,to solve the information asymmetry between formal financial institutions and farmers.Finally,the purpose is to expand the rural credit market and increase the willingness of farmers.In this paper,based on the domestic and foreign research and the current situation of domestic financial linkage,the core concepts of the study are defined,and then combined with the existing theory to study.At present,China's rural financial situation and financial linkage model in some areas of the attempt to analyze the impact of farmers' willingness to credit common problems,Then,the paper studies the current situation of the rural households' loans from the formal financial institutions and the informal financial institutions,and analyzes the reasons why the two departments should be connected.From the information asymmetry and other issues,this paper analyzes the mechanism of financial linkages and lays the theoretical foundation of this paper.Then,based on the survey data of 18 villages in Heilongjiang province 6 city,466 valid questionnaires obtained as samples,combined with the status quo of the development of China's rural financial linkage,using SPSS22.0 and AMOS22.0 software to construct the structural equation model to explore the personal factors,family factors,the regular financial institutions evaluation factors and evaluation factors such as professional cooperatives impact on the financial linkage in the wishes of four different factors.The conclusions are as follows:personal factors,family factors,and the evaluation factors of professional cooperatives are positively correlated with financial participation.Among them,the evaluation factors of professional cooperatives have the greatest influence on the willingness to participate in financial association.Individual factors and family factors.There is a negative correlation between formal financial evaluation factors and willingness to join.Finally,on the basis of the above research,this paper proposes to increase the agricultural industrialization process,improve the degree of organization of farmers,increase the preferential policy,strengthen the antithetical couplet node related policies on financial linkage incentive mechanism construction suggestions,in order to enable the development of credit type financial linkage mode tied to better in China.