Research On The Factors Influencing The Demand Of Rural Credit Cooperatives For Small Loans By Rural Households In Liuhu Town

The issue of“agriculture,rural areas and farmers”is a hot issue of concern to China,and the core issue of“agriculture,rural areas and farmers”is to increase farmers' income,improve people's living standards,and improve the rural financial environment.Liuhu Town is a key town in the country's concentrated contiguous poverty-stricken areas and national poverty alleviation and development work.It improves the loan business of rural credit cooperatives to farmers,and shifts the borrowing needs of farmers to rural credit cooperatives to promote the development and improvement of the “three rural” in Liuhu Town.The face of the entire town is crucial.First of all,this paper introduces the basic concepts of farmers and microfinance,and provides theoretical support for the later research.Through a large number of literature readings,and contacted the rural actual situation design questionnaire in Liuhu Town.Then,according to the data in the questionnaire,the basic situation of Liuhu Town is understood,the general situation of rural financial development in Liuhu Town,the supply and demand of microfinance for farmers are analyzed,and the sample farmers' demand for microcredit of rural credit cooperatives is taken as the key point.Analysis,at the same time,make assumptions on the factors affecting the microfinance demand of farmers;Secondly,empirical analysis of the factors affecting the microfinance demand of farmers draws the following conclusions: the number of relatives,total household income,total household expenditure,and the complexity of the loan.The service attitude of the loan officer,the amount and duration of the microcredit of the rural credit cooperatives can have a significant impact on the demand for microfinance.Finally,based on the research conclusions,the author puts forward suggestions from the farmer's own,rural credit cooperatives and the government to provide theoretical guidance for the future development of microfinance in the rural credit cooperatives of Liuhu Town.The biggest innovation of this paper is that the suggestions put forward in this paper have more targeted guiding significance for the development of rural credit cooperatives in Liuhu Town,increase the income level of local farmers,increase the demand for micro-loans of rural credit cooperatives by local farmers,and strengthen farmers.Provide a decision-making reference in terms of happiness in life.