Research On The Influencing Factors Of Consumer Credit Demand Of Rural Residents In Shaanxi Province

At present,under the background of China's economic transformation and upgrading,and the economic growth rate showing an “L” trend,the rural consumer credit market is an indispensable and important part of the credit market in China.It fully develops rural markets,stimulates rural consumption,and promotes Rural consumer demand is an important driving force for the recovery of China's economic situation.With the government's high attention to “agriculture,countryside and farmers”,the level of agricultural productivity is on the path of a marked rapid rise.The vitality of rural economic development has been further released.The living standards of rural residents have been improved and the consumer credit business is getting more and more.It was welcomed by rural residents.With the rapid development of China's consumer credit business in recent years,the study of rural residents' consumer credit business in Shaanxi Province can make up for relatively few deficiencies in this area,and at the same time it will help promote the healthy orderly development of rural residents' consumer credit market.Through field surveys and questionnaires,Shaanxi Province was taken as an example to empirically analyze the influencing factors of rural residents' consumer credit demand.The full text is divided into five chapters:Chapter one,introduction.It mainly introduces the research background,research purpose and significance,domestic and foreign research trends,research ideas and methods,and points out the possible innovations of this research.The second chapter,the definition of relevant concepts and theoretical basis.The two concepts of rural residents and consumer credit were theoretically defined,and four basic theories based on this study were elaborated: life cycle theory,persistent income theory,preventive saving theory,and behavioral finance theory.The third chapter analyzes the status quo of rural residents' consumer credit in Shaanxi and analyzes the existing problems.From the macro level and the micro level,we analyze the current situation of Shaanxi rural residents' consumer credit market and discover the problems existing in the consumer credit market.The fourth chapter is an empirical analysis of the influencing factors of rural residents' consumer credit demand in Shaanxi.First,the sample data were tested for correlation,and the principal component method was used to convert the initial variables into public variables.Then,the binary logistic model was used to explore the various influencing factors of demand,and the degree of influence of each factor on demand was explored.Chapter 5,conclusions and countermeasures,based on empirical analysis,came to the conclusions of the article,and based on the conclusions from the government,commercial banks,rural residents,respectively,put forward targeted and reasonable policy recommendations.The empirical results show that the household characteristics of households,characteristics of loan products,bank credit strength,external environment and other factors have a strong correlation with consumer credit demand.The impact of various factors on the demand for rural residents' consumer credit is not the same.Based on the analysis of the empirical results of this paper,the following five conclusions are drawn: First,the lack of income is the internal cause of the lack of consumer credit demand for rural residents;Second,the strong traditional concept is the subjective cause of restraining rural residents' consumer credit demand;Third,the imperfect rural social security system is an important objective reason for the lack of consumer credit demand for rural residents.Fourth,improving the competitive soft power of commercial banks will be more conducive to the development of rural residents' consumer credit market.Fifth,enhancing the promotion of credit products.,it will be more conducive to raising the demand of rural residents for consumer credit.