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Study on Productive Loan Behavior of Farmers in Weibei Region

Author: LeiLei
Tutor: YangLiShe
School: Northwest University of Science and Technology
Course: Finance
Keywords: fruit growers productive loan behavior Multinomial Logistic model Rural Credit Cooperation reform
CLC: F832.4
Type: Master's thesis
Year: 2009
Downloads: 35
Quote: 0
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Abstract


Going with the advance of the reform and opening up policy, farmers are investing much money in agriculture, so they need more financial services in rural places. Solving financial problems avails the farmers to increase investment in agriculture, avails the stabilization of agriculture development for the whole country, it will also make farmers get paid highly. This article based on research on characters of productive loan behavior of farmers, try to find the factors that affect the behavior, find the rule of finance market in rural places, look for methods to help farmers get much more fund. The results will affect the reform of Rural Credit Cooperation.This dissertation based on data gathered from 118 households of farmers who plant apple trees in 6 villages of Baishui county, Shaanxi province, uses the Multinomial Logistic model to analyze factors that effect loan behavior of farmers. At the same time, the article surveys the attitude and opinions of farmers on fruit grower association. The article concludes that the fruit grower association should operate regularly, and associations must provide information about members with details to classify them. Then Rural Credit Cooperation can give farmers loan that they need. This classified information can solve finance problems for the farmers. Primary coverage includes eight parts, as followed:Part One: Introduction. It narrates the study background、aim、significance and national and international research results.Part Two: Abstract on behavior theory of farmers. It includes theory of behavioral economics and rural economics.Part Three: Characters of the investigated farmers’loan behavior. We find that money that farmers borrowed are from both formal finance institutions and informal channel.Part Four: Supply and demand of productive fund. We conclude that most of the farmers need finance support from Rural Credit Cooperation to invest in their orchard.Part Five: Analysis on characters of farmers’loan behaviors and factors. We make the loan behaviors of farmers dependent variable, age of householders、education of householders、the proportion of the non-labor force to the whole family、agricultural acreage、income、investment to the orchard、expenditure、the willing of the farmers to debit independent variables, to find out which of the factors are truly effect the loan behavior.Part Six: Improving farmers’credit level through farmers’association. Seeking methods that can increase farmer’credit level.Part Seven: Innovating countryside finance services. In front of practice, we bring forward that we should innovate the finance services in rural places.Part Eight: Conclusions and suggestions. Summarizing the dissertation and bringing forward suggestions about Rural Credit Cooperation reform.

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