农户融资偏好及其成因研究——陕西、甘肃897份调查问卷分析  

Analysis of Farm Households' Financing Preference and Causes

作　　者：孔荣[1] 衣明卉[1] 尚宗元[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：《重庆大学学报（社会科学版）》2011年第6期24-29,共6页Journal of Chongqing University(Social Science Edition)

基　　金：国家自然科学基金项目"基于信任视角的弱势农户正规融资风险的度量与控制研究"(70873096);教育部人文社科规划项目"农户融资的信用风险度量与控制研究"(07JA790027)

摘　　要：农户借贷资金的来源主要包括正规金融和非正规金融两个渠道。通过对陕西、甘肃两省897户农户进行入户调查,结果表明:农户融资更偏好于非正规渠道,贷款程序的复杂程度、利率高低、金融机构对农户的信任水平、家庭文化等是导致农户不选择正规融资的主要原因。There are two major aspects for farmers to borrow money： the formal credit and informal credit. Ac- cording to 897 questionnaire data about credit needs assessment of farmers from Shaanxi Province and Gansu Prov- ince, we find that farmers prefer the informal credit. On the basis, the paper studies the factors farmers consider when they borrow money from the formal credit. Then the results show that reasons leading to the phenomenon include the mistrust of banks, farmers dislike the way of loans, the complicated procedures, interest rate factors, farmer＇ subjective preferences to the relatives and friends and so on. At last, the paper puts forward policy recommendations to solve the issue.

关 键 词：农户 融资偏好 成因 

分 类 号：F830.58[经济管理—金融学]