西藏农牧民贷款意愿及制约因素——基于2013年入户调查  

Research on the Loan Intention and its Restricting Factors of Tibetan Farmers and Herdsmen

作　　者：潘爱华[1] 孙前路[2] 刘天平[2] 彭岳林[2] 

机构地区：[1]江苏农牧科技职业学院,江苏泰州225300 [2]西藏大学农牧学院,西藏林芝860000

出　　处：《郑州航空工业管理学院学报》2015年第1期39-45,56,共8页Journal of Zhengzhou University of Aeronautics

基　　金：教育部人文社会科学研究青年基金项目(13YJCZH156);西藏自治区哲学社会科学专项资金项目(13BJY012);国家社会科学基金西部项目(12XMZ027);教育部人文社会科学研究西藏项目(12XZJA790001)

摘　　要：依据课题组2013年对林芝地区402户农牧民的调查数据,对西藏农牧民贷款意愿与制约因素进行分析,揭示现阶段西藏农牧区居民贷款意愿与影响因素的基本事实。研究结果表明:农牧民已经认识到信贷对家庭经济的促进作用,农牧民贷款意愿较高;西藏涉农贷款门槛有所降低,但正式金融机构手续繁杂、利率高、贷款额度小等因素仍是农牧民正式金融借贷中由"想贷"到"用贷"的关键;农牧民短期、小额借贷活动更倾向于邻里、亲友间的非正式金融借贷;家庭现金收入少,农牧民家庭负担也进一步限制了农牧民的借贷行为。This article is based on the survey data which the research group got from 402 households of farmers and herdsmen in Nyingchi prefecture in 2013, and tries to analyze the restricting factors of Tibetan farmers and herdsmen＇ s loan intention , and reveals the basic facts between the loan intention of residents in Tibetan agricultural and pastoral areas and the influence factors. The results show that the farmers and herdsmen have realized the credit could stimulate the family economy, the farmers and herdsmen＇ s loan intention is high; Because Tibet agriculture loan standard is reduced, and the complex procedures , high interests and loan lim- its of the formal financial institutions became the key for farmers and herdsmen＇ s financial borrowing from ＂want to loan＂ to ＂use loan＂; As for the short term and microfinance activities , farmers and herdsmen are more likely tend to informal financial relationships with neighbors, relatives and friends; the little family cash income and farmers and herdsmen＇ s family burden further limit the lending practices of themselves.

关 键 词：贷款意愿 制约因素 农牧民 西藏 

分 类 号：F832.43[经济管理—金融学]