基于供给视角的我国发达地区农户资金借贷分析

通过对浙江温岭市379户农户资金借贷调查结果的分析,发现当地农户借贷资金供给主体是农村合作银行。尽管该行信贷服务创新显著,对农户的信贷供给较充分,但对农户潜在的资金借贷需求的满足率不到50%;当地60%左右农户对银行信贷服务满意度不高,但90%以上农户对民间借贷持认可态度;农村民间自由借贷比较普遍,规模较大,有一定规范性,主要用于补充农户生活消费资金不足;少数非传统农户通过营利性民间借贷获得较大规模的急需生产资金。

Analysis of Farmer Households' Borrowing in the Developed Region:Based on the View of Credit Supply

After analyzing the materials of a field visit in Wenglin City,Zhejiang Province,we find that rural cooperative bank is the main body of financial supply for farmer households.Although its service innovation is remarkable,and its credit supply is more sufficient,but it only meets less than 50% of farmer households′ potential credit demand.Among the farmer households,about 60% have low satisfaction of the banks′ credit service,while 90% can accept informal finance.For-cooperation informal finance is relatively common,and with the feature of large scale,some normalization,and mainly used to supply living insufficiency of farmer households.A few non-traditional farmer households always get much needed production fund through for-profit informal finance.