农村信贷配给现状、成因及对策分析  

An Analysis of the Present Situation,Causes and the Countermeasures of Credit Rationing in Chinese Rural Areas

作　　者：谢玉梅 胡基红 

机构地区：[1]江南大学商学院,江苏无锡214122

出　　处：《商业研究》2013年第1期121-126,共6页Commercial Research

基　　金：教育部新世纪优秀人才支持计划项目"农村金融与风险管理";项目编号:NCET-11-0664

摘　　要：目前,我国农村存在着严重的信贷配给不足现象,严重减低了农村经济主体贷款可获得性。造成这一现象的原因既有农村金融供给方面的原因,又有农村金融需求方面的原因,还有农村金融环境方面的原因,应从多方面着手探讨缓解农村信贷配给的路径。Severe credit rationing exists in rural areas of China,which reduced the possibility of credit access of the market players in rural areas.The factors giving rise to this phenomenon include both the problems of rural financial supply and demand,and the financial environment of the rural areas.So,we should explore the solutions in allusion to these three aspects to relax the credit rationing in rural areas.

关 键 词：农村地区 信贷配给 对策 

分 类 号：F832.43[经济管理—金融学]