Analysis Of Credit Demand And Influencing Factors Of Rural Families In Yingkou City

Rural household credit is an important part of the "three rural" issues.Over the years,the Central Document No.1 has paid more attention to the rural household credit issue,and attached great importance to the rural financial gap,because it is not only related to the level of rural household income,but also related to the development level of new urbanization and rural revitalization.Based on this,this paper has important theoretical and practical significance to deeply study the characteristics and influencing factors of household credit demand in rural areas under the background of the new era.This paper takes the credit demand of rural households in Yingkou City as the core,and deeply analyzes its influencing factors,aiming to provide a possible reference for solving the rural financial gap in Yingkou City.This paper first introduces the research background,research purpose,research significance,research route and research method of the paper,and reviews the relevant literature,which lays a theoretical foundation for the subsequent research;then defines the concept.By means of literature reading,data inquiry and consultation with experts,this paper clearly defines the two important concepts of this paper,namely rural households and credit demand,which provides a clearer idea for the subsequent research;then,This paper makes a descriptive statistical analysis of the field survey data from five aspects: the personality characteristics of household heads,the characteristics of farmers’ households,the characteristics of farmers’ management,the characteristics of credit demand and the characteristics of financial institutions,to pave the way for the subsequent empirical research.Finally,build the regression model.The process of constructing a regression model mainly includes clarifying research assumptions,explaining variables,choosing and establishing appropriate empirical models,conducting binary logistic regression analysis,and explaining significant variables.Through the above research,this paper puts forward two conclusions and suggestions:one is to summarize the characteristics of the credit demand of rural households in Yingkou City and the important influence on the credit demand of rural households based on the results of descriptive statistical analysis and binary logistic regression analysis.Second,starting from the conclusion,relevant suggestions are put forward for farmers,financial institutions and government departments,in order to have certain reference value.