| Based on the survey of 230 family farms in Yanling and Xiangcheng in Xuchang, Henan province, by using the binary classification logistic model, this paper analyzed the influence factors on family farmers demand for formal credit. The results showed that the farmer cultural degree, agriculture account for the proportion of total household income,scale of planting, plant type, cognition of financial support policies and evaluation of financial services had positive effects on their demand for formal credit. Family farmers operation time had a negative effect on farmers formal credit demand.Family farmers age and borrowing experience had no significant influence on family farmers credit demand. |
