Investigation And Analysis Of Farmers' Willingness To Participate In Rural Credit Cooperation

Rural credit cooperation is a new type of rural cooperative financial organization which is used to explore and solve the rural financial difficulties.As the main part of rural credit cooperation,farmers actively participate in rural credit cooperation,which can promote their rapid development.However,in the process of development,farmers' willingness to participate is not strong,and farmers' understanding of rural credit cooperation is inadequate,which has affected the development of rural credit cooperation.Therefore,it is of great practical significance to study the factors that affect farmers' willingness to participate in rural credit cooperatives,and to reveal the constraints of rural credit cooperative development in China at this stage.On this basis,this paper conducted a questionnaire survey of 106 sample households to obtain first-hand information on the basis of data analysis,two Logistic regression using spss17.0 software,analyzes the influencing factors of farmers' willingness to participate in rural credit cooperative.The results show that the farmer's age,family income,farmers and farmers think the risk existing in rural credit cooperation in rural credit cooperative was negatively correlated,and farmers' education level,capital demand,farmers on the rural credit cooperation,the understanding of the rural credit cooperation of farmers and farmers' participation in rural credit degree willingness to cooperate positively;influence whether farmers go out to work,on the understanding of financial institutions and other variables on the farmers' willingness to participate in the rural credit cooperative is not significant.Younger and more educated farmers are more likely to accept rural credit cooperation.Only when farmers recognize this new thing,farmers will be more willing to participate in rural credit cooperation when the total income of farmers is less and the demand for funds.Only the risk of rural credit cooperation is reduced,and the help to farmers is increased,and the willingness of rural households to participate in rural credit cooperation can be more intense.Combined with the results of the study,countermeasures and suggestions are put forward,such as strengthening policy propaganda,raising farmers' cognition degree,strengthening risk management,improving farmers' trust degree,standardizing rural credit cooperative construction and improving service quality.