农户分化背景下不同农户金融服务需求研究  

Study on the Demand for Financial Services from Different-scaled Farmers: Under the Background of the Divergence of Farmers

作　　者：刘明轩[1] 姜长云[2] 

机构地区：[1]江苏省社会科学院农村发展研究所,江苏南京210013 [2]国家发展和改革委员会产业经济与技术经济研究所,北京100045

出　　处：《南京农业大学学报（社会科学版）》2015年第5期71-78 139,共9页Journal of Nanjing Agricultural University(Social Sciences Edition)

基　　金：国家自然科学基金项目"农业生产性服务业发展的模式;机制;需求及不同区域支持重点的选择"(71273070)

摘　　要：工业化、城镇化和农业现代化的推进,加速了农户类型的分化,农村金融服务面临新挑战。基于此背景,本文利用全国10个省份1049份调查问卷,分析了不同类型农户金融服务需求状况及其影响因素。研究表明,当前我国农户金融服务需求主要集中于借贷服务和保险服务,不同类型农户的金融服务需求程度和需求类型已经出现显著差异。从金融服务需求程度来看,农场类农户最强烈,以农为主的普通农户次之,以农为辅的普通农户最弱;从需求类型来看,农场类农户对借款服务的需求最强烈,普通农户对农业保险的需求最强烈。此外,农户类型和地区变量会对农户金融服务需求程度造成显著影响。Industrialization,urbanization and agricultural modernization have accelerated the divergence of farmers. Under this background,and based on a survey of 1,049 farmers covering 10 provinces across the country,this paper analyzed the demand for financial services from different-scaled farmers and their affecting factors. It concluded that:( 1) Farmers' financial demands mainly focus on services on loan and insurance,while there have been significant differences on types and degrees of demands between differentscaled farmers.( 2) Types of farmers which demand the financial services from the most to the least are farm farmers,agriculture-predominated household farmers,and agriculture-supplemented household farmers.( 3) Loan services are the most demanded by farm farmers,while agriculture insurance services are the most demanded by household farmers.( 4) Besides,farmer type and district factors have significant influences on the demand.

关 键 词：农户分化 新型农业经营主体 金融服务需求 

分 类 号：F832.43[经济管理—金融学]