农户正规信贷需求与行为演变趋势分析——对27省254村4178个农户的调查  

The Evolution Tendency of Peasant Households' Demand for Formal Credit Services and Their Credit Behavior——An Analysis of a Survey Made among 4178 Peasant Households from 254 Villages Which Were Scattered in 27 Provinces in China

作　　者：李松有[1] 叶虎 

机构地区：[1]华中师范大学中国农村研究院,湖北武汉430079 [2]柳州市区农村信用合作联社,广西柳州545000

出　　处：《沈阳农业大学学报（社会科学版）》2015年第3期261-264,共4页Journal of Shenyang Agricultural University(Social Sciences Edition)

基　　金：教育部哲学社会科学系列发展报告项目(10GBG010)

摘　　要：正规信贷较大程度上缓解了农村经济与发展资金不足的难题。对全国4178户农民正规信贷需求与行为进行调查分析,结果显示:农民对正规信贷需求不足,民间借贷或非正规信贷旺盛;西部地区消费信贷需求高,中东部农业及工商业信贷旺盛;需求型信贷约束十分严重,供给型信贷约束有所缓解;农村正规信贷服务弱化,信贷市场不均衡,亟需采取相应的政策措施。To a great extent formal credit services have eased the fund shortage with which rural economic development is confronted.A survey on peasant households＇ demand for formal credit services and their credit behavior was made in which 4178 peasant households all over the country served as respondents. Result showed that the peasants lack of demand for formal credit services while private lending and informal credit was prevailing. The demand for consumer credit services was very strong in west China while the demand for agricultural, industrial and commercial credit services was very strong in central and east China. The demand-based credit was strictly curbed while the curb for supply-based credit was eased to some extent. The rural formal credit services were so weakened and the rural credit market so failed in balance that it was very urgent to take corresponding policies and measures.

关 键 词：农户 农村信贷 信贷约束 农村经济 现代金融制度 

分 类 号：F832.43[经济管理—金融学] F224