江苏省农户小额信贷行为区域差异研究——基于对苏州、宿迁两地的比较  

Research on the reginal differenciation in famers' micro-credit behavior in Jiangsu Province:based on comparison between Suzhou and Suqian city

作　　者：刘晓玲[1] 朱洁如[1] 周子寒 张瑞婧[1] 颜汉雨 

机构地区：[1]南京农业大学,江苏南京210095

出　　处：《江苏科技信息》2017年第9期26-29,共4页Jiangsu Science and Technology Information

基　　金：南京农业大学大学生科研训练计划项目;项目编号:627A18;2017年度江苏省保险学会应用课题;项目编号:SBX2017-5-A-01

摘　　要：随着我国农村经济发展的区域性分化越来越明显,江苏省内部存在着小额信贷经营环境差异大、区域分化严重的问题。文章以苏州市高新区和宿迁市泗洪县为例,通过问卷调研和机构访谈的形式分析了江苏省经济发达的苏南地区和经济欠发达的苏北地区农户小额信贷行为差异。较之欠发达地区,发达地区农户期望贷款的期限较长,可承受的利率较高,农户的信贷额度较大。从区域协调发展的角度,文章为地方政府及金融机构实行差别化的小额信贷供给制度提出了因地制宜的对策建议。Regional differentiation in rural economic development of China is becoming more and more obvious. There are significant differences among micro-credit operating environment at different regions in Jiangsu Province, causing a serious problem of regional differentiation. This article, studying the cases of Suzhou city High-Tech District and Suqian city Sihong county, analyzes the differences in farmer micro-credit behaviors between the economically developed South Jiangsu and the economically underdeveloped North Jiangsu by means of questionnaire survey and institution interview. Compared to underdeveloped regions, farmers from developed regions have longer length of maturity, and are able to accept higher interest rate. Also they enjoy higher credit limit. This article proposes suitable countermeasures to local conditions on the differentiated credit supply system of local government and financial institutions from the angle of coordinated regional development.

关 键 词：小额信贷 信贷行为 区域差异 

分 类 号：F323[经济管理—产业经济]