Analysis Of Farmers' Borrowing Behavior From The Perspective Of Structural Reform Of Agricultural Supply Side

With the promotion of the reform measures,the development of China's financial industry is faster,the structural reform of the financial sector has also made remarkable achievements.However,the development of rural financial market is still not perfect,there is the phenomenon of supply and demand is not right,the existence of a lot of market conflicts lead to the residents' demand for loans can not be fully met.The existing rural financial system,highlighting the phenomenon is the formal financial institutions and non formal financial institutions exist at the same time,and the main way to meet the farmers' borrowing is the private financial market;as compared to the formal financial institutions,informal lending more emphasis on social relationships between these factors and the credit risk is relatively small.Therefore most of the borrowing needs of farmers can not get satisfaction from formal financial institutions,the private lending market is developing like a raging fire,resulting in the private financial market exposed many problems,not only for the development and improvement of the impact of China's rural financial market,also hindered China's agricultural supply side reform process.With the pace of building a modern countryside,the acceleration of urbanization process,the rural financial market,the main status of the main demand for rural households gradually stable.The study of the factors influencing the rural households' borrowing behavior is not only beneficial to alleviate the phenomenon that farmers can not meet the demand for loans,but also can promote the transformation and upgrading of rural financial institutions and the rapid development of urbanization.In rural financial market,the behavior of farmers' borrowing and lending is particularly important.Including the external environment factors and the individual's own factors,the impact of the outside world,including the degree of financial market development,economic development,financial policy,etc;With the rapid development of financial market,the convenience of farmers' borrowing will increase with the release of the policy;In addition,a higher level of economic development in the region,the economic structure is relatively complex,farmers' educational level and quality compared to remote areas is high,farmers engaged in diversified investment and consumer spending also showed a gradual upward trend,so the money lending activities are more.Individual influence factors are mainly from the perspective of farmers themselves,under normal circumstances,the lending behavior will be affected by the age,gender,family income,consumption expenditure structure,cultivated land area and social relations.There are differences in the behavior of farmers with different characteristics.Which factors are the main factors that affect the rural residents' borrowing behavior in our country should be analyzed according to the characteristics of production and living of the residents in this area.Firstly,this paper briefly introduces the current situation of agricultural supply side reform and the supply and demand of rural credit market.Found that there is contradiction between supply and demand in the market.Residents can not meet the demand for loans.Combined with the structural reform measures of the country's current agricultural supply side,this paper analyzes the impact on the rural credit market.To further investigate the factors that affect the rural residents' borrowing behavior in the rural areas of Northern Anhui province;Borrowing behavior as a dependent variable,with age,gender,marital status,education level,arable land area and other 10 factors as independent variables.The regression analysis of the data obtained by the two element model.An analysis of the variables which have a significant impact on Farmers' borrowing behavior.Finally,the conclusion is given in this paper,based on the outstanding problems of the rural households' borrowing behavior,the paper gives three suggestions,including the level of national policy,financial institutions and farmers themselves.