摘要
通过对甘肃省405户农户资金借贷行为的问卷调查,发现农户借贷需求满足程度不足,农村信用社贷款额度小,期限短,信用约束强,不支持农户生活性借贷需求;民间借贷多局限于亲朋、邻里之间,借贷资金规模不大,缺乏信用形式,管理很不规范。文章针对甘肃省农户资金借贷存在的约束因素,提出了相应的政策建议。
According to investigate borrowing behavior of four hundred and five rural households in Gansu Province, it is discovered that financial demand of rural households insufficiently is satisfied, rural credit cooperative executes lower credit lines, shorter duration of credit and stronger credit control, in addition, hardly supports the daily expenditure of rural household. Folk finance is limited among relatives, friends and neighbors, facing capital scarcity, deficient in credit contract, and managing disorderly. In light of the factors that hinder rural household＇s borrowing in Gansu Province, the authors provide some corresponding policy suggestion.
出处
《华东经济管理》
CSSCI
2008年第10期40-43,共4页
East China Economic Management
关键词
甘肃省
农户
借贷行为
农村信用社
民间私人借贷
Gansu Province
rural household
borrowing behavior
rural credit cooperative
folk private borrowing
