Analysis of the Financing Status and the Factors Affecting Financing Demand of Farmers

Based on a sample of 110 farmers financing investigation data in Anhui, the present situation and main problems of financing of farmers were analyzed and the findings show that farmers tend to choose private lending in financing, and non productive financing accounts for nearly 50%. With the Normal-Probit model, the influence factors of farmers' financing demand were analyzed and findings show that the family annual income, total assets and loan interest rate factor have a significant negative impact on the financing needs of farmers, and the great amount of living expenses of farmers, expanding investment intention have a significant positive effect on farmers' financing demand. Therefore, we should strengthen the publicity of policy, soften the terms of financing and promote farmers' financing transform to productive financing.