| To solve the "Sannong problem",without the support of financial services,Therefore,the development of rural finance has been the focus of many scholars.As an important product of rural financial services,microfinance is an effective anti-poverty tool,which can make low-income farmers get the funds to expand production,So that they have the opportunity to quickly increase revenue and shake off poverty.Microfinance can also improve the financing environment of farmers,providing farmers with a formal means of financing.It can provide strong financial support for the development of rural economy,such as the operation of agricultural industrialization,large-scale management,the development of family farms,and the encouragement of land transfer.In addition,the microfinance business provided by financial institutions to farmers as a formal financing,It has its own inclusive,security,so the development of micro credit for farmers in rural areas there is a certain social effect.Throughout the study of micro credit for farmers,scholars have gradually shifted the focus from the supply of funds to the demand for funds.This trend shows that people pay more and more attention to the real needs of farmers,to the essence of the financing difficulties of farmers,we must first understand the financing needs of farmers and its influencing factors.To solve the problem of farmers’ financing,so that the rural financial system can better serve the development of rural economy,to understand the factors affecting the demand for microfinance is the key.The basic point of this study and summarized the influence factors of microfinance needs of existing research,and put forward the corresponding assumptions,and then based on the understanding of the connotation of microfinance,using game theory principle of game analysis,put forward the innovative hypothesis.Based on the hypothesis of the variables needed to design a questionnaire,and a field survey,get a first-hand,real,can reflect the characteristics of Hutubi County farmers demand for micro credit data.The collation and descriptive statistics and preliminary analysis based on the data,understand the characteristics of the basic situation and the development of microfinance in Hutubi County,the rural micro credit demand,and put forward the development of Hutubi county farmer’smicrofinance problems.According to the actual situation of Hutubi County farmers from the assumptions and basic information,economic information,household information,household loans to farmers collusion four aspects of information selected13 preset factors,and by using the Logit regression model,empirical analysis.The results of the empirical analysis are used to verify the hypothesis,There are four factors which can influence the farmers’ effective demand of the peasant households in Hutubi County,which are the basic information of farmers,the farmers’ economic information,the information of farmers’ loans,the information of farmers’ collusion.Including age,number of children,the number of labor,school education,farmers are loans,proficiency in a particular line,the area of arable land,the per capita income of farmers to obtain loans,collusion and other factors.According to the empirical research conclusions,to improve the financing environment of farmers,increase the microfinance demand,and promote the healthy development of the rural financial service system,make the financial better to solve the "three rural" service put forward relevant policy suggestions as follows:Increase the rural credit cooperatives to micro credit publicity and popularization,improve the level of financial literacy;To improve the work efficiency of front-line workers in rural financial institutions,more efficient service farmers plowing work;reasonable rates,appropriate to reduce the financing cost of farmers;rural financial institutions through the credit policy to help the agricultural industrialization preferential;enhance the farmers risk awareness through advocacy,thereby reducing farmer loan collusion. |
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