摘要
通过对中部河南省410户农户资金借贷行为的问卷调查,发现农户资金借贷的可获得性不强,资金用途上呈现非农生产的特征。正规农村金融机构较少提供农户小额信用贷款,农户贷款普遍受到较多的信用限制,其中农村信用社的支农功能更是弱化。虽然民间私人借贷信用形式灵活,但借贷范围较窄,借贷也不活跃且较少满足农户大额贷款需求。文章针对中部河南农户资金借贷的问题现状,提出了有针对性的政策建议。
Through the questionnaires survey on loans of 410 peasants in Henan province, we find that the loans are difficult for peasants to acquire, and the utility of funds has showed the characteristics of non-agriculture production. The governmental rural financing institutions provide few small loans for peasants, the loans for peasants are limited by credit, while the function of supporting agriculture in these institutions is weakened. Although the private loans of credit are flexible, but the scale are limited and not active enough and they could not meet the requirement of large loans for peasants. This paper provided some significant policy suggestions for the problems showed in the loans for peasants in Henan province.
出处
《财务与金融》
北大核心
2011年第2期12-15,共4页
Accounting and Finance
关键词
中部地区
农户
资金借贷
农村信用社
民间私人借贷
Central Henan Province
Peasants
Loans
Rural Financing Institutions
Private Loans
