Study On Influencing Factors Of Farmers' Lending Behavior In Da Mao County

In our country,agriculture is the basic industry of the national economy.Agriculture has always been in an important position.However,due to the natural weakness of agriculture,insufficient economic benefits and poor ability to resist risks,the dual economic structure of urban and rural areas is obvious.The problem of "agriculture,countryside and farmers" is becoming more and more prominent.On the one hand,the demand of farmers for loans is increasing,but it is difficult to get loans.On the other hand,the money in rural areas is increasing.Financial institutions have a large number of idle funds to lend,which seriously hinders the development of rural economy.At present,compared with the majority of farmers in Inner Mongolia,rural financial services are poor,backward development,imperfect system,and financing is relatively difficult.In order to improve the income level of farmers and the quality of rural financial services in Inner Mongolia,and find out the problems existing in rural household lending in Inner Mongolia,this paper studies the behavior of rural household lending,further promotes the development of rural financial system in Inner Mongolia,and lays a foundation for the continuous improvement of rural household lending in Inner Mongolia.Aiming at the problems of fewer formal financial institutions in rural areas of Damao county and the inability of farmers to meet their borrowing needs effectively,this paper chooses farmer's borrowing behavior in Damao county as the research object,investigates 110 farmer households in Bailingmiao Town and Shibao Town of Damao county,and uses the survey data to analyze the characteristics of farmer's borrowing behavior and the status quo of social network in Damao county.Finally,it uses the measurement software and probit model to process the data,and advances the influencing factors of farmer's borrowing behavior in Damao county.Empirical research has been carried out and three conclusions have been drawn:(1)The positive factors affecting farmers'borrowing demand in Damao county are:farmland area of farmers,whether there are students at school in farmers' families,farmers'annual total income,farmers' annual total expenditure,whether there are party members in farmers'families,and the number of relatives and friends of farmers,among which the number of relatives and friends of farmers has a strong significance.Negative factors include the age of the head of the household,the educational level of the head of the household,and whether there are any cadres in the family members of the farmers.(2)Farmers in Damao county get loans from formal finance.The positive factors are:farmland area of farmers,whether there are students in the farmer's family,total income of farmers,total expenditure of farmers,whether there are party members in the fanner's family,the number of relatives and friends of farmers,whether there are cadres in the farmer's family members.Negative factors include the age of the head of household and the educational level of the head of household,among which the educational level of the head of household has a strong significance.(3)The demand of fanners in Damao county is strong and the supply of formal finance is insufficient.Finally,according to the conclusion of empirical analysis,six suggestions are put forward:We should enhance the strength of the local rural formal financial construction,improve the service level of rural credit cooperatives,promote the establishment of rural professional cooperatives,strengthen the risk management of private lending,broaden the agricultural and animal husbandry insurance market and improve the rural social security system.