农户的金融需求及其解决途径——焦作市农户金融需求调查

通过对焦作市农户金融需求状况调查发现,农户对正规金融的融资意愿和承受能力偏低,满足其金融需求的方式主要是非正规金融。因此,地方政府和金融监管部门对非正规金融应积极引导,加强监管。而作为担当“支农主力军”角色的农村信用社应充分利用天时、地利、人和的优势,不断增加新的金融产品和金融服务,加强客户细分和市场营销工作,以满足农民多样化的金融需求。

The Solutions to Meeting Financial Needs

By Surreying the conditions of financial needs of Jiaozuo's farmers,the paper reveals that farmers have low financial needs and capacity for formal finance.So they usually rely on informal finance.Local governments and financial supervision departments should actively guide the informal finance and strengthen supervision.Rural credit unions which play an important role in rural areas should be fully utilized to constantly provide new financial products and financial services,strengthen customer segmentation and marketing efforts to meet the diverse financial needs.