论非农化进程的农户借贷行为  

Analysis Farmer Household Behavior of Credit in the Course of Household Non-agriculturalization

作　　者：王丽萍[1] 李平[1] 霍学喜[1] 

机构地区：[1]西北农林科技大学经济管理学院,陕西杨凌712100

出　　处：《重庆大学学报（社会科学版）》2006年第4期28-33,共6页Journal of Chongqing University(Social Science Edition)

基　　金：陕西省软科学基金项目(2002KR31)

摘　　要：非农化进程中各类农户借贷行为的差异较大,研究处于不同非农化水平的农户借贷行为,发现其特征和需求规律,对于制定相应的金融政策,合理配置和利用农村金融资源,更好地满足不同农户的资金需求,推进农户的非农化进程有着积极的意义。本文根据对陕西三大地带的12个县,28个行政村共237户农户,为期5年的借贷行为的持续性问卷调查资料,从借贷用途、借贷水平、发生率、规模以及借贷来源等方面,对不同类型的农户借贷行为做出了比较和分析,并提出有针对性的政策建议。In the course of household non-agriculturalization, there are distinct differences in credit behavior among peasants households＇. To study credit behavior and find out the characteristics and demand rules of different kinds of peasant households is a good way to constitute related finance policy, to collocate and utilize reasonably the resource of rural finance, to satisfy different kinds of peasant households fund demand, and promote the course of household non-agriculturalization. Based on the questionnaire of 273 peasant households＇ debt-credit behavior in Shaanxi Province, this article compares and analyzes the credit behavior of household from aspects of the use, level, arises rate, scale and resource, finally gives some related suggestions.

关 键 词：非农化 农户分化 借贷行为 民间借贷 

分 类 号：F832.35[经济管理—金融学]