| The study on financial needs of regional farmers under the present situation has an important practical
significance to promote the development of rural finance and improve the level of financial services. This paper conducts
influence factors analysis on financial borrowing demand of household in three areas by making a survey about the financial
needs of farmers at present situation and using binary Logistic model. The study result suggests that the planting area and
participating in the cooperatives have significant positive influence on credit demand of three regional farmers. Moreover,
agricultural income has a positive effect on farmers' borrowing needs in both developed areas and less developed areas,
cultural degree level also effects credit demand significantly only in developed areas, and age and labor have significant
negative on financial demand only in less developed areas. |
