Study On The Influence Of Borrowing On The Livestock Husbandry Income Of Herdsmen

In recent years,our country vigorously support the development of grassland animal husbandry,in order to improve the grassland ecological environment and the level of pastoral economy put forward a lot of strong policy,under the promotion of these policies,the economic development of the pastoral area has achieved remarkable results,the production and living standards of herdsmen have been improved.At the same time of development,lack of funds has become a serious problem,with the increasing demand for funds,borrowing becomes the primary way to solve the problem of capital,herdsmen rely on borrowing to improve production conditions,and raise the income of animal husbandry.Borrowing has become the norm in pastoral areas development.This paper introduces the overall economic development and animal husbandry development of Xilin Gol League in recent years,taking 140 herdsmen in the Xilin Gol League as the research object,using the treatment effect model to analyze the effect of borrowing on the livestock husbandry income,results show that the amount of borrowing,borrowing channel,the demand and the number of family labor force has a significantly influence on herdsmen husbandry income,among them,borrowing channel the demand has a negative influence on herdsmen husbandry income,borrowing amount and the family labor force has a positive influence on herdsmen husbandry income.Then using the mediation effect model to test the effect of borrowing on livestock husbandry income,the results show that the scale of livestock is the mediator in the borrowing amount that affects the livestock husbandry income,proportion of the total effect of mediation effect was 39.92%,That is the process of borrowing affect livestock husbandry income had 39.92% by the scale of livestock is acting.The results of the analysis suggest that although the economic development of the Xilin Gol League is good,the borrowing needs of the herdsmen have not yet been met,and nearly 20% of the herdsmen have opted for usury.To this end,the government and financial institutions should formulate corresponding measures to avoid the "usury trap" to further deepen,improve the level of financial services in pastoral areas,changing the way financial services,and raise the livestock husbandry income of herdsmen.