关键词： 农民专业合作社, 贷款需求, 影响因素, 农村经济

Abstract:

Difficulties in financing for farmers have always been the biggest obstacle to the development of rural economy. As a major new agricultural management entity, farmer professional cooperative can provide financing help to for farmers. This paper analyzes the factors influencing loan availability for farmers after they join in farmer professional cooperatives through the ordered multivariate Logit model. The results show that whether farmers join in the farmer professional cooperatives and whether they receive financing services have significant positive impact on the availability of loans. In addition, their education level, the area of the land they operate, their income situation and whether they have relatives and friends in financial institutions also have positive impact on the availability of loans. On the other hand, the funding gap and their expected financing period have negative impact on the availability of loans. Hereby, it is recommended that farmers should be encouraged to join in the farmer professional cooperatives, the circulation of agricultural land the development of agricultural insurance should be promoted, and financial credit innovation should be stimulated so that the availability of financing for farmers can be improved.

Key words: farmer professional cooperative, loan demand, influencing factors, rural economy