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The Satisfaction Degree of Peasant Households’ Formal Financing Demand and Its Impact Factors

Author: YiMingHui
Tutor: KongRong
School: Northwest University of Science and Technology
Course: Accounting
Keywords: Farmer Formal financing Demand satisfaction Influencing factors
CLC: F832.43
Type: Master's thesis
Year: 2011
Downloads: 65
Quote: 1
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Abstract


At present, China is in transition from traditional agriculture to modern agriculture, due to fundamental changes in the market environment, the development of agriculture by double restriction of markets and resources. Modern agriculture to market-oriented production lead time and the number of differences exist between farmers' income and expenditure of funds and investment in agriculture, this difference rely on the accumulation of their own farmers unable to meet the farmers would have a strong loan demand. From the start of 1995, China implemented the reform of the rural financial system, 1999, the Agricultural Bank County and the following branches merge 30% of rural credit cooperatives, although no major changes, but due to government intervention and control and historical baggage and other reasons, The limited capacity of the rural credit cooperatives to provide farmers with financial services, far can not meet the the formal financing needs of farmers. At present, domestic and foreign scholars have done a lot of research on rural finance to promote the reform of the financial system has made an important contribution, and also provide a reference for later scholars to do further research in this area. However, previous studies is relatively small from the perspective of the satisfaction of the farmers to formal financing needs to study farmers financing situation, this paper conducted a survey of 400 households in four villages in two counties in Tai'an City, Shandong Province, through statistical analysis and econometric analysis to study the satisfaction of the farmers to formal financing needs and its influencing factors, and on this basis the corresponding policy recommendations. This study from the following aspects: First, the article uses survey data to analyze the status of the research area farmers to formal financing demand characteristics, the results show that the main source of farmers borrowed funds formal financial, but farmers in the Small and frequent demand for loans came from the non-formal financial; agricultural production is the main purpose of the farmers borrowed funds, the farmers of formal borrowing more than the mortgage, guarantee or credit, farmers informal borrowing more than orally, and more for the 0 interest rate ; samples the farmers present defer repayment phenomenon, but there is no breach of the phenomenon. Second, the article analyzed from the three institutions, total, varieties efforts to supply the country and formal financial institutions in Shandong Province on agricultural loans current formal sample farmers meet financing needs, on this basis, the analysis results show that farmers from formal financial institutions to obtain loans and farmers can not meet the demand for loans. Again, the article will affect the farmers to formal financing needs of the factors to be classified in accordance with the 5C that features, capacity, capital, collateral, conditions, and studied the various factors in the 5C farmers to formal financing needs satisfaction, on this basis, the use of Binary Logistic regression analysis of factors affect farmers formal financing needs satisfaction, the results show that the gender of the head of the household, the children the number of college students, farm household economy type, whether the village cadres, whether the letter of the user satisfaction, the formal financing needs of the team members on whether the joint household guarantees farmers has a significant impact. Finally, first on the basis of the text analysis is proposed to meet the level of policy recommendations to improve the farmers to formal financing needs, namely the establishment of a multi-level rural financial system to guide the development of private finance; deepen rural credit cooperatives reform to improve the level of service of the rural credit cooperatives and quality; innovative rural financing, the development of the credit community; innovative security mechanism; promote credit village, Credit town to users building; innovative financial products, meet different farmers loan demand.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit > Agricultural credit
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