摘要
利用观察农户现金流特征的方法可以准确定义农户的金融服务需求。农户的现金流入与现金流出之间存在着不匹配,客观上存在着对融资、支付、汇款的转移以及保险等金融服务的潜在需求;低成本、灵活和敏捷是理想的农户金融服务需求的一般性特征;复杂多样性、层次性和不断升级性是我国农户金融服务需求的个性化特征。
The demand for rural financial services and its features could be defined by using a strategy of observing cash flows of rural households. Because cash inflow does not match cash outflow, rural households really have the potential demands for financial services such as circulating fund, paying, transferring remittance, insurance and so on; ideal features of rural households＇demand for rural financial services are low cost and flexibility. Complexity, diversity, gradation and constant need for upgrading are the specific features of rural households＇demand for rural financial services.
出处
《闽江学院学报》
2008年第3期81-85,96,共6页
Journal of Minjiang University
关键词
农户
现金流
金融服务需求
特征
rural household
cash flow
demand for rural financial services
its features
