欠发达地区农户融资问题研究

农村金融一直是政府和学术界近年来关注的热点问题，欠发达地区农户融资难现象成为制约该地区经济发展的瓶颈。本文在欠发达地区实地调研的基础上认为：融资难现象实际上是农户进入了一个经济与金融欠发达导致农户商业性贷款少、融资渠道窄、规模小、非生产性用途比重大，进而再次影响经济发展的恶性循环圈。结合欠发达地区自身的特殊性，要从根本上走出这样的困境，着眼点应是农户自身，并针对此采取相应的措施。

The Study on the Rural Households Financing in Underdeveloped Areas

Government and academia has always been concerned about the hot issues on rural finance. The phenomenon of rural households financing difficulty has become the bottleneck of restricting the regional economic development in underdeveloped areas. On the basis of field research in underdeveloped areas, this paper argues that the phenomenon of financing difficulty is a fact that the rural households enter a vicious circle which is that underdeveloped economy and finance led to a small commercial loan, a narrow financing channel, the small scale and a large proportion of non-productive uses, and the economic development is impaired. In order to go out of the dilemmas, we should focus on the rural households themselves and take appropriate measures based on the specific conditions in underdeveloped areas.