农户借贷行为调查研究

农户虽然是我国经济组织体系中最小的经济单位，但它却是农村资金的主要供给者、农村金融基本的服务对象。所以，研究农户的借贷行为特征及其影响因素不仅能推动农村金融机构改革的深化，而且能为政府制订相关的农业信贷政策提供参考。文章以黑龙江省巴彦县兴隆镇112户农户为样本，对其借贷行为进行了调研，并从正规金融、民间借贷供给和农户自身需求三方面分析了影响农户借贷行为的制约因素，提出相应的建议，从而促进当地农村经济的持续、快速发展。

The Influence Factors Affecting Rural Houshold Crediting Beharior

Although the peasant household is the smallest economic institution in our country economic co-operation system,it is actually the countryside fund main supplier,the rural finance's basic client.Therefore,studying the characteristic of rural household borrowing behavior and their influencing factors,not can only promote the rural finance corporate reform deeply,but also draw up the related credit policy of the agriculture.This article taking the questionnaire of the situation of rural houshold crediting abo...