Abstract That the farmers in underdeveloped regions of China's economy depends on the private lending borrowing is the mainstream view, but research about rural households borrowing behavior of in Qianyang County of Shaanxi Province, the analysis showed that the farmers in this region mainly credit funds from the formal financial channels, the rural credit cooperatives to obtain financial support. Through an analysis the factors that influence farmers borrowing from the rural credit cooperatives and friends, select the unfavorable factors influencing loans from the rural credit cooperatives, in order to solve the problem of financing farmers through cooperation by the rural credit cooperatives and the government .
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Received: 15 March 2010
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