农户融资行为分析及对农村金融发展的启示——基于四川省的统计调查  

Analysis of the Financing Behavior of Rural Households and Its Revelation to Rural Financial Development Based on the Statistical Research of Sichuan Province

作　　者：张渝[1] 

机构地区：[1]绵阳师范学院商学院,四川绵阳621000

出　　处：《四川教育学院学报》2011年第3期48-51,共4页Journal of Sichuan College of Education

基　　金：绵阳师范学院科研基金资助项目"四川省农户融资行为实证研究";项目编号MB2009024

摘　　要：通过对四川省部分地区农户的问卷调查,采用描述性统计方法,分析得出:四川农村金融服务的背景发生了深刻变化,当前金融供给无法满足农户需求,农户存在信贷约束;调查分析表明农户自身特征及银行信贷行为等方面原因共同造成了农户信贷约束,其中银行担保偏好是重要原因。研究从根本上摆脱这种困局的政策设计新思路。Based on questionnaire research on peasant households in Sichuan province,this article draws on descriptive statistical method and reaches the conclusions as following： the setting of rural financing service has changed profoundly;financing supply cannot meet the rural households＇ demands at present;there are credit constraints.The analysis indicates that both the characteristics of peasant households and borrowing behaviors of banks bring about credit constraints.Among them,a bias in favor of warrant is of sovereign importance.And then,this article puts forward a new thought of policy designing on how to get out of the stake dilemma radically.

关 键 词：农户 融资行为 信贷需求 信贷约束 

分 类 号：F832[经济管理—金融学]