Jingzhou Wei ^* 太煌 方

• Anhui University of Finance and Economics, Bengbu, Anhui Province, China

The inherent fragility of the agricultural industry significantly restricts the financing channels available to new agricultural operating entities. Access to credit loans emerges as a pivotal means to address capital shortages among farmers and enhance production inputs. Based on the survey data of 17745 new agricultural operating entities of grain production in Lu 'an City, Anhui Province and the agricultural households in the China Household Finance Survey Database, this paper uses Logit model and Heckman selection model to empirically analyze the influencing factors of operating entities' loan willingness and credit scale. The research reveals that several key variables exert a significant positive influence on the borrowing willingness of grain producers. Specifically, the planting area range, input range per hectare, the rate range of return on investment, membership in cooperatives, and operation as a family farm all notably enhance their willingness to seek loans.Conversely, the net income per hectare and the number of crop types cultivated significantly diminish their inclination to borrow. Additionally, male operators and those with higher educational backgrounds demonstrate a stronger willingness to obtain loans.Furthermore, the study indicates that the planting area and membership in cooperatives also positively correlate with the scale of loans secured by these agricultural operating entities. These findings underscore the importance of considering a range of factors when assessing the credit needs and capacity of such enterprises, and they provide valuable insights for policymakers and financial institutions seeking to support the sustainable growth of the agricultural sector.