Analysis On The Characteristics Of Farmer Credit Demand Behavior And Its Influencing Factors In Poor Areas

With the release of the central document No.1 in 2018,the strategy of Rural Revitalization has been implemented.Since 2004,the national issue of the agriculture,rural and farmers as the theme of the No.1 document has been 15 years,and the No.1 document has gradually become the pronoun of the agriculture,rural and farmers reform in China.It can be seen that the central government puts the issue of the agriculture,rural and farmers in the top priority of the work of The Communist Party of China and People's Republic of China.At the same time,it pays more attention to the role of rural financial reform in promoting the development of rural economy and improving the life of farmers.Getting rid of poverty is a prerequisite to implement the strategy of Rural Revitalization.We must solve the problem of financial integration in order to overcome the poverty alleviation campaign in poor areas.However,"financing difficulty" and "financing expensive" are still obstacles to the development of rural economic society,especially in poverty-stricken areas.On the one hand,the current rural regular financial institutions have a small number of grass-roots outlets and uneven distribution of regional distribution.There are many problems such as high threshold of loan and complex formalities,which seriously restrict the demand of farmers' credit.On the other hand,asymmetric information leads to the existence of adverse selection and moral hazard in rural financial market.Farmers are heavily allocated by credit,so the phenomenon of financial restraining is becoming serious.Based on the above background,this paper takes Shandong Province southwest national poverty county farmers of Yuncheng County as the research object,investigates and inquires the situation of local farmers' credit demand through field research,and analyzes the supply and demand situation of rural finance and the current situation of farmers' credit demand in Yuncheng County.Firstly,it introduces the research background,purpose and significance,systematically combs the research results at home and abroad and expounds the basic concepts and related theories of farmers' credit demand in detail.Secondly,it analyzes the general situation of rural economic development in Yuncheng county,and analyzes the supply and demand situation and existing problems in rural financial market.Thirdly,it focuses on analyzing the characteristics of sample farmers' credit demand behavior,and makes descriptive statistics.Finally,the empirical analysis of the factors affecting the credit demand and satisfaction of farmers is made and the following conclusi ons are drawn: Farmers' understanding of credit financing,the complexity of loan procedures and other factors have significant impact on the production of farmers' credit demand;the equity and credit of the loan The convenience degree of loan and the understanding of current financial poverty alleviation policy have a significant impact on Farmers' credit demand satisfaction.Through the analysis of the characteristics and the influencing factors of the farmers' credit demand in Yuncheng County,this paper puts forward the corresponding policy suggestions from four aspects of farmers themselves,financial institutions,government policies and rural financial markets.It is to provide important theoretical guidance for the future of poverty alleviation in the poverty-stricken areas and it provides a reference for the development of rural economy,especially to improve the income level of farmers and enhance the happiness of farmers.