少数民族贫困地区农户小额信贷扶贫绩效的实证研究——以湖北省恩施土家族苗族自治州为例  

Empirical Study of Performance of RCC's Microfinance in Poor Ethnic Areas——Taking Enshi Autonomous Prefecture of Tujia & Miao Nationalities,Hubei Province as the Example

作　　者：朱乾宇[1] 董学军[2] 

机构地区：[1]中南民族大学经济学院,湖北武汉430074 [2]湖北省农村信用社联合社恩施州办事处,湖北恩施445000

出　　处：《中南民族大学学报（人文社会科学版）》2007年第1期56-60,共5页Journal of South-Central Minzu University (Humanities and Social Sciences)

基　　金：国家社会科学基金"少数民族地区反贫困战略中农户小额信贷扶贫的绩效评价"(05CJL025)

摘　　要：本文基于提升农信社小额信贷绩效,增加少数民族贫困地区农民收入的角度,选取武陵山区恩施土家族苗族自治州为例,运用定量分析方法对农户小额信用贷款及贷款投向的绩效进行了一元线性回归和多元逐步回归分析。结果显示,少数民族贫困地区农信社开展农户小额信贷对增加农民收入具有肯定的积极作用;同时非农业贷款投向相对农业贷款投向而言具有更好的绩效;农户小额信贷的农业生产投向中,各投向产生的绩效也不尽相同,其中以果树和药材为主的经济林是所调研地区小额信贷绩效较好的贷款投向。In order to increase the performance of microfinance operated by Rural Credit Cooperative （RCC） and the income of farmers living in poor ethnic areas, this paper analyzes the performance of microfinance by taking Enshi Autonomous Prefecture of Tujia ＆ Miao Nationalities as the example. The result shows that there is obvious positive effects of microfinanee on the increasing the farmer＇s income. Furthermore, the non-agricultural uses of the loan have better performance than agricultural uses. During the agricultural uses of the loan, the performances are also different, the loan used in economic forests, including fruit trees and Chinese crude drugs, have better performances than other uses.

关 键 词：民族贫困地区 小额信贷 贷款投向 绩效 

分 类 号：F127.63[经济管理—世界经济]