西部地区农户资金借贷实证分析——以陕西省248户调查为例  

Empirical Analysis of Borrowing by Rural Households in Western Regions——Based on Survey to 248 Rural Households in Shaanxi Province

作　　者：王丽萍[1] 霍学喜[1] 邓武红[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：《中国农业大学学报（社会科学版）》2006年第3期53-57,共5页Journal of China Agricultural University;Social Sciences

基　　金：教育部新世纪优秀人才支持计划项目"WTO背景下中国西部现代农业产业发展战略体系研究"(2005.1-2007.12)资助

摘　　要：通过对陕西248家农户资金借贷现状的实证分析,发现西部地区农户对于资金借贷需求逐年上升;农户资金借贷主要来源是民间金融,而从正规金融机构贷款比例逐年提高;借贷资金主要投向于资金需求较大的生活消费项目和投资回报率较高的非农领域及高效农业项目,总体上生活性借款比重有所增加而生产性借款比重有所下降。文章针对西部地区农户资金借贷特征及存在的问题,提出了相应的政策建议。Based on the empirical study of 248 rural households＇ borrowings, it is discovered that： demand for fund borrowing by rural families is increasing year by year; source of lending funds is mainly from private financing, but percentage of borrowing from official financial institutions is increasing; Borrowed funds are mainly invested in large-amount consumption projects as well as in non-agricultural programs or high yielding agricultural projects. In general, the proportion of borrowing for consumption has been on the rise while that for production sees a decline. In light of these characteristics and problems existing in rural household borrowing in western regions, the authors provide some suggestions on how to improve it.

关 键 词：西部地区 农户 资金借贷 民间金融 

分 类 号：F832.43[经济管理—金融学]