Study On Influencing Factors Of Farmers’ Lending Behavior In Miyi County,Panzhihua City

At present,our society has entered into the new normal economic development trend,the rapid economic development makes the income of the majority of farmers increase.Under the background of the continuous promotion of the implementation of the "Rural Revitalization Strategy",the demand for loan of farmers has been enhanced under the environment of accelerating the agricultural modernization construction.In order to meet the demands of the majority of farmers,the government has also actively issued inclusive financial policies to protect the development of farmers’ agricultural operations.However,due to the limitation of farmers’ own ability,the restriction of lending is still a common problem.How to solve this problem has become the key issue that government institutions and financial organizations should care about.In the research process,this paper takes Miyi County of Panzhihua City as the research object and analyzes the lending behavior of farmers in this region.This paper first expounds the research background and significance,then reviews the research results and conclusions of domestic and foreign scholars in this field,analyzes the theory of financial repression and transaction cost,and finds that many scholars at home and abroad have conducted research based on bank lending behavior and reception service.However,the literature on the research of farmers’ borrowing behavior is not very rich.Then select some farmers in Miyi County of Panzhihua City as research objects,and analyze their borrowing behaviors.It is found that the influencing factors of unclear borrowing tendency and low active borrowing behavior of farmers in Miyi County of Panzhihua City include not in place of government management,lack of financial resource investment,too strong commercial profit of financial institutions,weak service intention and other external factors.It also includes internal causes such as weak ideological consciousness and lack of financial knowledge of farmers themselves.At the same time,it is also found that there are good basic conditions in this region,such as diversified loan uses,obvious willingness to borrow,and stable industrial growth of borrowed funds,which lay the feasibility of increasing the total demand for loans of farmers,and the development prospect of the lending market is very broad.Finally,some countermeasures and suggestions are put forward from the level of government,financial institutions and farmers,including:Strengthen the strength of administrative guidance and financial support,give full play to the role of government supervision,formulate scientific development plans,improve the construction of peasant household lending system and infrastructure construction,strengthen the level of financial institutions lending product innovation and service management,improve the financial policy publicity and financial knowledge training mechanism,promote the reform of mortgage guarantee system;We will organize farmers’ mutual assistance organizations to promote innovation and optimization of agricultural business models.Through the implementation of these measures,as well as the joint efforts of many parties,we can create a good environment for the optimization and development of farmers’ lending activities in Miyi County,Panzhihua City,and provide some reference for other regions to make decisions.