内蒙古农户正规与非正规金融结构与现状分析  

Analysis of Farmer Finance Structure and Informal Finance Structure in Inner Mongolia

作　　者：张汉达[1] 薛玉梅[1] 杨志坚[2] 马淑玲[1] 骆洪[1] 聂晶[1] 

机构地区：[1]内蒙古农牧业科学院,内蒙古呼和浩特010031 [2]内蒙古大学经济管理学院,内蒙古呼和浩特010021

出　　处：《内蒙古农业科技》2012年第6期1-3,共3页Inner Mongolia Agricultural Science and Technology

基　　金：内蒙古自治区软科学研究项目<内蒙古农村非正规金融运行机制研究>的阶段性研究成果

摘　　要：文章针对当前内蒙古农村农民普遍存在的资金短缺的问题,通过对样本的农户的调查分析表明,超过75%的农户通过银行信用社等正规和亲友等非正规渠道进行借贷,农户主要是根据借贷资金的用途进行正规与非正规渠道借贷方式的选择:通过正规渠道的借贷资金主要用于生产性支出,而通过非正规渠道获得的资金主要用于生活、教育、医疗等方面的支出。而且,低收入、小规模的农户更难以获得来自正规渠道的资金支持。This paper focuses on the shortage of farmers＇ funds in rural Inner Mongolia.According to the survey of the farmer household samples,there were more than 75% of the farmers who obtained loans either from formal financial including commercial banks and credit unions or from informal finance such as friends and relatives.The farmers selected the financing channels between formal and informal financial by the usage of the funds.The funds obtained from formal finance were spent on agricultural production,and the funds obtained from informal financial were used in life,education,health care and other expenditures.Moreover,low-income and small-scale farmers were more difficult to obtain loans from the formal financial.

关 键 词：农户 正规 非正规 金融 结构 

分 类 号：F32[经济管理—产业经济]