Empirical Study on the Influencing Factors of Rural Households’ Credit and Loan Demand-Investigation based on Jianhu County, JiangSu Province

By using the relevant data from 273 valid questionnaires of rural households in Jianhu County, Jiangsu Province and the Probit model, the influencing factors of rural households’ credit demand are analyzed. The results show that the factors that influencing the credit demand of rural households include the features of the rural households, the economic activities of rural households and so on. Among the factors, the operation expenditure of rural households, the education degree of the master of rural household and the understanding degree of the rural credit policies have great impact on the rural households’ credit demand. In the end, the suggestions on the basis of the research are put forward: developing diversified economy; improving rural households’ income; increasing the reserve of rural labor resources and enhancing farmers’ quality; strengthening the promotion of rural credit cooperative and perfecting the service quality of rural credit cooperative.