Research On The Factors Influencing Farmers' Credit Behavior In Jinxian County,Nanchang

As is known to all,our country is agricultural country,agriculture is the state.Since reform and opening up 30 years,the rural financial reform step by step,the economic and financial both supplement each other.Economy is the foundation of financial,financial huge promotion and boost the economy,the stand or fall of rural finance of our country's level of economic development vital role.In recent years,the long-term existence of the urban and rural dual structure contributed to the lag of the rural economy.Facing agriculture,rural areas and farmers the seriousness of the problem and the urgency to solve the problem of agriculture,rural areas and farmers,the party and the state attaches great importance to the "three rural problems",particularly from the policy support,financial support and so on to promote the development of the rural financial ecological environment.Finance is the core of modern economy and rural finance is the core of modern rural economy,rural financial service level to a certain extent,affects the development of rural economy.Farmers as the most basic part of the agricultural and rural economic development,first of all,farmers in the rural financial supply system is important to participate in the main body,is also on the rural financial ecological environment in the detection of developing and perfecting financial operation environment is good,the final development of rural economy and rural financial ecological environment benefits and contributors.So farmers is the essence of the rural financial ecological environment construction,so this paper researches on the Angle of view to the problem of peasant household borrowing farmers,promoting rural financial innovation,improve farmers satisfaction on capital requirements,to improve farmer credit problems and the optimization of rural financial ecological environment,promote the comprehensive development of rural economy and society is of great significance.This thesis is divided into five parts.The first part studies the connotation and basic characteristics of the rural financial ecological environment;The second part is about the rural financial ecological environment related theory and the peasant household borrowing,analyzes the five factors influencing rural financial ecological environment;The third part is on the five factors influencing the rural financial theory basis and the theory of financial repression and the relationship between the financial ecological environment;The fourth part of nanchang city in jiangxi province surrounding farmers borrowing were evaluated,based on a large amount of data,for the problem of the rural financial ecological environment in this paper,summarizes a stage farmer credit reflects the influence of the rural financial financial ecological environment problem is mainly rural Banks coverage rate is low;Credit products can not be satisfied;The excessive development of private lending may cause such problems as environmental deterioration in the credit;The fifth part in jinxian county,nanchang problems existing in the 683 survey data of the optimization of rural financial environment put forward some ideas.The sixth part make a summary.