Studies On Borrowing Behaviors Of Rural Households In Liang Cheng Country

With the continuous deepening of China’s reform in various fields,the urgency of the reform of the "three rural issues" has become the consensus of the community.To solve the "three rural" problems must first solve the rural financial problems,the supply of rural financial institutions has important significance to further optimize and update the credit financial products on the "three rural issues",farmers are the direct experience of providing services of rural financial organizations,the rural household borrowing behavior from the perspective of the study of influencing factors of rural household borrowing behavior,providing theory the reference for the supply of rural financial organizations to further self innovation and urban levels of government policy.On the basis of the above research background,this paper selects the rural households’ borrowing behavior in Liangcheng County as the research object,and carries on the field investigation and Research on Liangcheng county.Through the analysis and data processing of the effective questionnaire,the paper describes the borrowing behavior of Liangcheng county.With the help of Stata software and probit model,this paper makes a quantitative analysis on the related factors of rural households’ demand for loans and whether they have access to formal financial institutions.Liangcheng County Rural Credit Cooperatives to strengthen their own construction,improve the ability to serve the"three rural",the local government should guide the establishment of rural mutual financial organizations,and guide the healthy development of private lending policy recommendations.