Analysis of Rural Households’ Consumptive Loan Demand and the Influencing Factors

Abstract

This study is about rural households’ demand of living consumptive loan in Shandong province. After carrying out follow-up survey for 6 consecutive years, the results show that the household consumptive loan demand is vigorous, and it has obvious regional differences, which is inversely proportional to the level of local economic development; the farmer's age, the size of family, income, assets of family, social resources they all have significant impacts on consumer loan demand. Paying attention to the rural consumptive credit and developing it are proposed based on above.