西部地区农户借贷行为分析——基于陕西248家农户的调查与思考  

Farmer Household Behavior of Credit Analysis and Policy Suggestion in Western China——On the Investigation of 248 Farmer Household Behavior of Credit in Shanxi Province

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,杨凌712100

出　　处：《电子科技大学学报（社科版）》2007年第1期22-27,共6页Journal of University of Electronic Science and Technology of China(Social Sciences Edition)

基　　金：陕西省软科学基金项目"构筑现代农业战略体系研究"(项目编号:2002KR31)

摘　　要：通过对陕西248家农户的农户借贷行为的实证分析,发现西部地区农户对于资金借贷需求逐年上升,但借贷水平较低;农户资金借贷的首要选择是民间借贷,而选择从正规金融机构贷款以及民间借贷中有息借贷的比例逐年提高;民间高息牟利性质的借贷并不普遍;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农业产业化项目,总体上生活性借款的比重有所增加而生产性借款的比重有所下降。本文针对以上农户借贷行为特征及其制约因素,提出了相应的政策建议。According to the analysis of 248 - peasant households＇ debt - credit behavior, it reveals that the peasant＇ s demand of debt - credit increases every year by peasant household, but the debt - credit level is low . Although the rate of debt - credit from the regular financial institutions increases every year, the main resource of debt - eredit fund is folk debit funds and high interest rate of folk debit is not very common. The most debt - credit funds are invested in consumption project with high demand of funds, and are also invested in agricultural industrialization project with high rate of return. Generally, the proportion of debt - credit for life increases and the proportion of debt - credit for production decreases. This article aims at those characteristics of western peasant household credit behavior and it＇ s limiting factors to give some related suggestions.

关 键 词：西部地区 农户借贷 借贷行为 民间借贷 

分 类 号：F832.479[经济管理—金融学]