基于农户特征的农贷市场微观结构研究——对云南贫困地区农贷市场的考察  

A Micro-analysis of the Rural Credit Market Structure Based on the Framing-Household Features:A Case Study of the Rural Credit Market in the Poor Area of Yunnan Province

作　　者：丁文丽[1] 卢鹏[1] 

机构地区：[1]云南师范大学经济与管理学院,云南昆明650222

出　　处：《云南师范大学学报（哲学社会科学版）》2010年第5期79-90,共12页Journal of Yunnan Normal University：Humanities and Social Sciences Edition

摘　　要：贫困农村金融服务与现代金融服务体系有着明显的差异,它是基于农户的资金需求具有明显的生存需求的特征之上的,很难符合现代金融供给的成本收益原则的要求。这种差异造成农村金融和正规金融并存的局面。但是合理的看法是正规金融与农村金融是并行存在的关系,而非相互替代的关系。因此在认可民间借贷的地位与作用的基础上,关键是加强对民间借贷行为的监督和引导,让它更好地服务于农村、农民、农业,最终实现农民奔小康的目标。The financial service in the poor rural area is quite different from the modern financial service system because it has the household-based features of survival and does not accord with the cost-benefit principle of modern financial supply.This difference leads to the co-existence of the rural financial system and the formal financial system but they are not mutually replaceable.With the acceptance of the role and needs of private loans,it is crucial to supervise and guide such financial behavior for better serving the rural area,agriculture and farmers and for realizing the goal of constructing a well-off society in the countryside.

关 键 词：农户 农贷市场 金融需求 金融供给 

分 类 号：F830.58[经济管理—金融学]