Study of the Factors Influencing Entrepreneurial Farmers' Formal Financial Credit Demand and Credit Constraints in Sichuan and Chongqing

Based on a survey of 939 farmers in Sichuan and Chongqing,this paper analyzes the influencing factors of entrepreneurial farmers' formal financial credit demands and credit constraints with Probit model. It is found that entrepreneurial farmers have strong demand for formal financial credit,which is mainly production investment demand,but the formal financial credit constraint is obvious. Family size,cognition of loan procedures and conditions have a positive effect on entrepreneurial farmers' formal financial demand,while family per capita income,the distance between family location and the nearest formal financial organization,have negative influence. The relationship between householder'age and entrepreneurial farmers' successful formal loan presents inverted U shape,and educational level presents a negative correlation with successful loan. Compared with the traditional scale agricultural business,farmers engaged in other entrepreneurial businesses would get loan from formal financial institutions more difficultly. Understanding level of the loan procedures and conditions has a positive effect on successful loan. Compared with entrepreneurial farmers without employment,employed farmers are more likely to get loans. Statistically,householder' age and educational level,entrepreneurial business choices do not have significant effect on entrepreneurial households' formal financial credit demands. Family size,family per capital income,the distance between family location and the nearest formal financial organization,and the size of loan do not have significant influence on entrepreneurial households' successful loan. To get rid of formal financial credit constraints,we must implement the incremental reform of financial institutions,promote the formal finance of the villages and towns which can adapt to the farmers' financial demand,and create a good financial environment. Meanwhile,it is necessary to give impetus to innovation of financial management,products and services,reduce credit threshold,and adapt to the characteristics and demands of entrepreneurial households.

Analysis on Consumption Behavior of Zhejiang Province's Farmers from the Perspective of Their Income Increase

With rapid development of industrialization in Zhejiang Province, surplus rural labor forces move to the secondary and tertiary industries. Farmers of Zhejiang Province are no exception. They turn to industrial workers and their income source has great changes. Wage income becomes their major source of income. Accordingly, farmers' consumption behavior has great changes. Apart from satisfying basic production and living demands, farmers start to pursue living quality and their life style tends to urbanization. Nevertheless, under the influence of rural physical environment, policies and systems, the existing consumption environment fails to follow farmers' urban lifestyle any more. In line with how to optimize rural consumption environment, improve farmers' consuming capacity, continue to expand farmers' consumption and promote urbanization development of rural areas, this paper presents pertinent countermeasures and recommendations.

An Empirical Study of Farmers' Perception and Behavior on Farmland Abandonment in Yunnan Province

In this study,using the PRA method,we conduct a questionnaire survey on 525 farmers in 10 typical villages in Yunnan Province,and study the farmers' farmland abandonment behavior as well as their perception. Studies have shown that there are some common problems for the villages in the inner suburbs and the villages in the outer suburbs such as small scale of rural land,dispersed plots and land fragmentation,and the scale and fragmentation problems are more prominent in the villages in the inner suburbs while the dispersed plot problems are more obvious in the villages in the outer suburbs; the levels of farmland abandonment vary in different sample villages,the farmland abandonment is more prevalent in the villages in the outer suburbs,the abandonment behavior involves more farmers,and farmers tend to abandon small plots of farmland; the proportion of the abandoned farmland perceived by the farmers in the villages in the inner and outer suburbs( especially in the inner suburbs) is significantly lower than the actual proportion,and farmers' perception greatly deviates from the actual reality; some farmers have wrong perception of farmland abandonment behavior,and even if there are farmers with correct perception,they also abandon farmland.

Analysis on Risk Prevention Mechanism for Farmers' Default in Small Amount Credit

Through analysis, it is believed that major reasons for default risks in operation of small amount credit include low management level and vacancy of normative system, vacancy of risk sharing mechanism, rating distortion due to imperfect credit investigation system, and uncertainty of borrower's credit. On the basis of these, static and dynamic models are established to analyze the prevention mechanism for default risk in small amount credit. It is concluded that we must establish a restriction mechanism during operation of small amount credit as long as three values increase, namely, N (potential loss of bad credit record due to farmers' default), Q (probability of successful recovery by small amount credit institution), and S (cost of small amount credit institution punishing farmers after successful recovery). Finally, following countermeasures and suggestions are put forward: perfect laws and regulations and credit reward and punishment mechanism for risk management of small amount credit; bring into play proper function of loan officer in small amount credit practice; widely promote rural "Group Credit Union" system.

AHP Analysis of the Factors Influencing Credit for Temporarily Poor Farmers: Based on the Survey of Rongchang County of Chongqing Municipality

From the perspective of the influence on credit for farmers,this paper takes the temporarily poor farmers in Rongchang County of Chongqing Municipality as the respondents,and employs the expert survey method and on-site analysis to analyze the reasons and put forward three hypotheses. Using the AHP model,we carry out the empirical analysis of three major hypotheses concerning the credit for farmers. The study demonstrates that the state's unclear definition of property rights of farmers and farmers' lack of collateral are the primary factor influencing the credit for farmers,followed by insufficient targeted financial and technical support for the farmers who are engaged in the agricultural sector affected by the nature; farmers do not really get the assistance for them to use the natural resources to develop the rural economy,so that the banks complicate the loan procedures and increase the requirements of loans for farmers in order to ensure the capital liquidity and safety,thus further deepening the plight of credit for farmers.

Research on Influence Factors of Pig Farmers' Ecological Farming Behavior: Based on the TPB and SEM

China's extensive development model of pig industry gives rise to serious resource and environment bottleneck restriction,it is urgent to transform the existing development model into ecological farming model. In this process,farmers' behavior will play a key role. On the basis of summarizing development connotation and characteristics of ecological agriculture,using survey data of 323 pig farmers in 6 provinces,based on the Theory of Planned Behavior( TPB) it introduced individual characteristics and external environment constraint variables,and made an empirical analysis on factors influencing intention and behavior of pig farmers' ecological farming using the Structural Equation Model( SEM). Results indicate:( i) ecological farming intention of pig farmers has the largest direct effect on their ecological farming behavior;( ii)ecological farming cognition of pig farmers has significant positive effect on their ecological farming behavior;( iii) external environment has the largest indirect effect on their ecological farming behavior,followed by the overall effect,and external environment has significant positive effect on ecological farming attitude and cognition of pig farmers;( iv) individual characteristics( educational level and income level) of pig farmers influence ecological farming behavior of pig farmers through their ecological farming attitude and intention,but the degree of influence is limited.

Regional Difference Analysis of Farmers' Land Use Behavior

Based on the survey data and statistical information on farmers,we conduct comparative analysis of land use behavior of farmers in the Jianghan Plain and the hilly areas of Xianning City in Hubei Province.We find that the utilization rate of agricultural land and level of agricultural labor output in the plain areas are higher than in the hilly areas;at the same time,the degree of mechanization of agricultural land utilization and farmers'land use scale are larger in the plain areas.But the crop type in the plain areas is single,and the decline rate of the growing area of food crops is higher in recent twenty years;meanwhile,the material input costs and opportunity cost of labor for the agricultural land utilization in the plain areas are greater than in the hilly areas.

Analysis on Farmers’ Straw Marketization Behavior and Its Influence Factors: A Case Study of Hubei Province

Crop straw has huge resource potential. It has an important significance for realizing waste recycling and improving eco-environment to prefect straw marketization system and sufficiently stimulate farmers’ straw marketization behavior. Based on 427 copies of investigation data on farmers,influence mechanism framework of farmers’ straw marketization behavior is constructed,and key factors of farmers’ straw marketization behavior are analyzed. Results show that farmers joining in straw marketization account for 42. 1%; in influence factors of farmers’ straw marketization behavior,cultivated land area,market price level,logistics satisfaction and air quality perception have significantly positive impacts on farmers’ straw marketization behavior,while education degree,agricultural income proportion and traffic convenience have significantly negative impacts on farmers’ straw marketization behavior. Therefore,it needs strengthening propaganda intensity,carrying out reasonable subsidies and support,encouraging and breeding new type of organization,and establishing and improving the price mechanism of straw marketization to perfect straw marketization construction.

Behavior configuration of tea farmers’ participation in ecotourism environmental responsibility from the perspective of system theory

The coordination and optimization of eco-tourism development and world heritage protection are related to the sustainable development of the two,and the behavior of tea farmers is affected by the multiple subjects of rural production and living system,which has nonlinear and complex characteristics.In view of this,based on the theory of human-land system,this study is using system theory and fuzzy set qualitative comparative analysis(fsQCA)to explore the internal mechanism of tea farmers‘environmental responsibility behavior.The results show that:(1)single factor,infrastructure environment perception constitutes a necessary condition for environmental responsibility behavior,and there is equivalence between infrastructure environment perception,Cultural environment perception,external intervention perception and environmental supervision perception.(2)Infrastructure environment perception and cultural environment perception are important internal driving forces for high environmental responsibility behavior,while external intervention perception and environmental supervision perception constitute external traction.(3)Infrastructure environment perception and cultural environment perception exist in all configurations in a single or common form.This provides enlightenment for changing the governance logic of ecotourism and improving the governance performance of ecotourism.

Problems in Development of Micro-credit Loans to Farmers in China and Countermeasures

There are problems of inadequate natural endowment and weak stamina in the development of micro-credit loans to farmers in China. Specifically,existing problems include narrow profit space,serious non-agricultural trend of funds,high dependence on government support,short life cycle,and constantly increasing operating risks. These problems are related to endogenous drawback in design,defect in operating procedure,lagging in relevant policies and measures,and vacancy in risk compensation mechanism.

Do large-scale farmers use more pesticides? Empirical evidence from rice farmers in five Chinese provinces

It is of great theoretical and practical significance to understand the rules of the differences in pesticide use behaviors between large-scale and small-scale farmers,so as to regulate the behavior of farmers differently and improve the quality and safety of rice.The overall pesticide use behavior of large-scale farmers was characterized by large doses and high application frequency,while that of small-scale farmers was characterized by small doses and low application frequency.The econometric test showed that(i)the proportion of staple food ration has a significant negative impact on the single dose exceeding the standard and pesticide application frequency of small-scale farmers,and the increase of the proportion of staple food ration will reduce the demand among small-scale farmers for pesticides;(ii)yield effect has a greater impact on the frequency of pesticide application by large-scale farmers,and the large yield effect will increase the frequency of pesticide application among large-scale farmers.Therefore,in pesticide use behaviors,large-scale farmers should reduce pesticide quantity and increase efficiency,while small-scale farmers improve the level of plant protection.

Analysis of Factors Influencing Farmers' Identification of Entrepreneurial Opportunity

Based on the survey data of entrepreneurship concerning farmers in China,this article uses the multivariate adjustment regression analysis method,to analyze the factors influencing farmers' identification of entrepreneurial opportunity and the mechanism. The results show that demographic characteristics are still an important factor influencing farmers' identification of entrepreneurial opportunity,but the extent of its influence is weaker than entrepreneurs' trait. The new trait theory is verified in farmers' entrepreneurship opportunity behavior; entrepreneurship environment is becoming an important factor influencing entrepreneurial opportunity identification,whose regulation effect on entrepreneurs' social network and previous experience is stronger than the regulation effect on entrepreneurs' psychological trait.

Empirical Research on the Credit Demand and Credit Behavior of Small and Micro Enterprises

This article uses discriminant sampling method to select 1062 small and micro enterprises from 25 provinces in China. Researches were conducted on their credit demand and credit behavior, with the Probit model to carry out metrologic tests on influential factors of these enterprises' credit demand and credit behavior.The metrologic analysis shows: Literacy level of leader, asset size, annual revenue of the enterprises have significantly positive effects on the credit demand of these small and micro enterprises. Annual revenue has significantly negative influence on overall credit behavior and the occurrence of informal financial behavior, but significantly positive influence on the occurrence of formal financial behavior. Literacy level of staff and asset size of enterprises have significantly positive influence on the occurrence of the overall credit behavior of small and micro enterprises.

Farmer behavior and perceptions to alternative scenarios in a highly intensive agricultural region,south central China

Intensive agriculture has caused unintended environmental consequences, such as water quality degradation. It is necessary for policymakers to make proper planning of sustainable agricultural development. Using a Pressure-State-Response （PSR） framework, we conducted surveys focused on farmer behavior toward agriculture and environmental protection in 2009 and 2011. The surveys indicated that farmer behavior was complex and contradictory, and caused some environmental effects. Therefore, we used normative landscape scenario method to develop two scenarios. Both scenarios emphasized on stable economic growth along with water quality improvement and presented good effects. A feedback survey was organized in 2013 to interpret farmers＇ perceptions of the alternative scenarios. The results indicate Scenario I is likely to be accepted by farmers; however, the beautiful rural landscape in Scenario.II represents what farmers want, and Scenario I or II can be achieved by changing farm behavior in the future. By logistic regression model analysis, increasing agriculture benefits and new technology popularization were key factors affecting farmer behavior. Relevant policy implications on farmers were proposed. This paper showed how important to understand farmer behavior and perceptions to agricultural development, and a description of the alternative scenarios and policy implications are meaningful for policymakers to manage nature resources.

Analysis of Factors Influencing Farmer and Herdsman's Operating Behavior in Crop Production--A Case Study of the Typical Tibetan Counties(Cities)

We select 204 panel data samples from fixed observation spots in China's rural areas(Nagqu County,Duilongdeqing County and Xigaze City in Tibet),and conduct systematic analysis of factors influencing farmer and herdsman's operating behavior in crop production,using regression estimation method of the linear model,mixed OLS model and the random effects model.The research shows that "the number of migrant workers","the amount of household labor forces","original value of fixed assets for production purpose at the end of year","whether having agricultural machinery or not" and other household endowment factors,have a positive impact on total planting area of households,and theoretically,the endowment effect of internal factors predicted is valid;the product of "average food price" and "whether selling or not" has conspicuous impact,and the empirical results confirm that in external factors,the substitution effect of price is greater than the income effect.

Analysis of Factors Influencing Farmers' Participation in Forest Farmers Cooperatives Based on Empirical Research of Zhejiang Province

Based on field research data of farmers in Zhejiang Province, the authors analyzed factors influencing farmers' participation in forest farmers cooperatives (hereafter referred to as FFCs) by the binary logistic regression model. Results show that understanding of farmers about cooperatives has a great influence on their behavior of participation in FFCs. Besides, educational level of householders and existing member scale of cooperatives also have significant influence on farmers' behavior of participation in cooperatives. Therefore, it is required to strengthen propaganda of cooperatives, deepen their understanding of cooperatives; cultivate new high quality farmers to provide talents for development of cooperatives; establish incentive mechanism to encourage farmers to participate in cooperatives.

From livelihood strategies to green actions:A study on the relationship between farmers'environmental awareness and pro-environmental sustainable behaviors in the Huaibei Plain

In order to explore the impact of changes in rural livelihoods in China on the environmental awareness and behavior of farmers,with the Huaibei Plain as an example,309 farmer households in Lingbi County in Huaibei Plain were surveyed.The variance analysis was used to determine the differences in environmental perceptions and pro-environmental behavior of farmers with different livelihoods.Structural equation models were used to analyze the relationships between livelihood type and environmental perception and behavior.The results show:(1)As the level of non-agricultural activities engaged in by farmers increases,their environmental perceptions shift,evidenced by a rise in both the Environmental Concern Index(ECI)and the Awareness of Pollution Hazards Index(APHI).However,there is a corresponding decrease in their Perception of Changes within the Agroecosystem(PCAE).(2)APHI caused by automobiles,pesticides,and fertilizers varies significantly among groups with different livelihood strategies(p<0.05).(3)Pro-environmental behavior(PEB),particularly in the realms of green consumption and waste management,correlates with the level of non-agriculturalization.Significant variations in these behaviors are observed among farmers with different livelihood strategies(p<0.05).(4)The livelihood strategies have significant direct impact on farmers’environmental perceptions(path coefficient 0.923 p<0.001)and a significant indirect impact on farmers’PEB(path coefficient 0.913 p<0.001).Thus,as farmers shift away from agriculture,their environmental perceptions and behaviors are changing.Diversifying livelihoods reduces dependence on natural resources and increases access to environmental knowledge.This diversification fosters greater awareness of environmental issues and a willingness of farmers to adopt environmentally friendly practices,positively impacting rural environment.Thus,by promoting diversified livelihoods,it is possible to create a powerful strategy for rural environmental governance.

An Overview of Personal Credit Scoring: Techniques and Future Work

Personal credit scoring is the application of financial risk forecasting. It becomes an even important task as financial institutions have been experiencing serious competition and challenges. In this paper, the techniques used for credit scoring are summarized and classified and the new method—ensemble learning model is introduced. This article also discusses some problems in current study. It points out that changing the focus from static credit scoring to dynamic behavioral scoring and maximizing revenue by decreasing the Type I and Type II error are two issues in current study. It also suggested that more complex models cannot always been applied to actual situation. Therefore, how to use the assessment models widely and improve the prediction accuracy is the main task for future research.

The Application of Genetic Algorithms and Multidimensional Distinguishing Model in Forecasting and Evaluating Credits for Mobile Clients

To solve the arrearage problem that puzzled most of the mobile corporations, we propose an approach to forecast and evaluate the credits for mobile clients, devising a method that is of the coalescence of genetic algorithm and multidimensional distinguishing model. In the end of this paper, a result of a testing application in Zhuhai Branch, GMCC was provided. The precision of the forecasting and evaluation of the client’s credit is near 90%. This study is very significant to the mobile communication corporation at all levels. The popularization of the techniques and the result would produce great benefits of both society and economy.

Study on Formation Mechanism of Farmer Production Consumption Ecologization——Empirical Analysis Based on TPB Model

Ecological transformation of production consumption is an effective channel of establishing ecological agriculture mechanism. In this paper,based on TPB( Theory of Planed Behavior),using factor analysis and regression analysis,empirical test on formation mechanism of farmer production consumption ecologization behavior transformation is conducted. Research results show that behavior attitude,subjective norm and control cognition of farmer production consumption ecologization have significantly positive influences on behavior response of farmer production consumption ecologization. Among them,power of behavior attitude is farmer's economic rationality and ecological rationality; power of subjective norm is system norm,government guidance and social pressure; power of control cognition is policy judgment and ability perception. Finally,for the analyzed conclusions,policy suggestions are proposed from many aspects,which could provide reference effect for guiding farmer production consumption ecologization and establishing rural eco-civilization.