Empirical Study of the Influencing Factors of Farm Households Credit Demand-Based on the Investigation of Jianhu County in Jiangsu Province

The relevant data about 273 farm households in Jianhu County of Jiangsu Province were utilized,and the Probit model was utilized to analyze of the influencing factors of farm households credit demand.The results indicated that the influencing factors of farm households credit demand mainly include: farm household's own characteristics and economic activity and so on.Among of these influencing factors,the effects of the expenditure of families and educated years of the head of households as well as the understanding degree of Rural Credit Cooperatives(RCCs) were remarkable.Finally,on the basis of research,some specific polices and suggestions were put forward,namely,firstly,developing the multi-economy and improving the incomes of farm households;secondly,enhancing the human capital reserve of farm households and improving the quality of peasants;thirdly,strengthening the propaganda of Rural Credit Cooperatives(RCCs) and improving service quality.