|Table of Contents|

An Empirical Analysis of Influencing Factors of Getting Loans According to Farmer Intergenerational Differences in Yanliang

《北方园艺》[ISSN:1001-0009/CN:23-1247/S]

Issue:
2019年04
Page:
167-173
Research Field:
Publishing date:

Info

Title:
An Empirical Analysis of Influencing Factors of Getting Loans According to Farmer Intergenerational Differences in Yanliang
Author(s):
XIANG Libin; WANG Jing; HU Guangyin
(College of Economics & Management,Northwest A & F University,Yangling,Shaanxi 712100)
Keywords:
farmer; intergenerational differences; influencing factors; rural loan
PACS:
-
DOI:
10.11937/bfyy.20181042
Abstract:
Formal lending in rural finance is a powerful way to serve ‘agriculture,rural areas and farmers’.It is the key to promote rural economic development.The demand for funds by farmers is expanding.However,there are still some problems caused by asymmetric information in rural financial supply.Based on the questionnaire survey of more than 300 farmers in Yanliang,Shaanxi Province,using Logistics model,this study empirically analyzed the influence of farmer characteristics,family characteristics,farmer′s economic behaviors and social relations on the availability of farmer loans under the perspective of intergenerational differences.The empirical results showed that for farmers in Yanliang,there were significant impacts on farmer under 45 years old,the higher education level，family working type,intimate,beneficial and trust with others were good for getting a loan；for farmers over 45 years old,the younger age，annual family income，crop type and whether to join the cooperative had significant impacts.By the comparative study of 2 types of farmers we found that intergenerational differences existed in the influencing factors of rural loan.

References:

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Last Update: 2019-03-26