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Farmers' Demand for Formal Credit in the Poor Areas:Direct Identification and Empirical Analysis

LIU Xichuan HUANG.Zuhui CHENG Enjiang  
This paper accurately depicts the level and the characteristic of farmers' demand for formal credit, and explores the way to meet such demand.Under the conceptual analytical framework with direct identifying and complete cataloguing,the paper tends to identify and measure the farmers' formal credit demands,and estimates the determinants of the credit demands and amounts.The research findings are as follows:firstly,the authors study and classify the farmers' credit demand in the poor regions through an analysis framework with a clear concept.Secondly,the authors estimate the influencing factor in rural credit demand through the improved TobitⅡmodel.Finally,some policy suggestions are proposed for the rural financial system reform.
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