| 中部地区农户资金借贷实证分析——基于河南省410户农户的问卷调查 |
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| 引用本文： | 吴战勇. 中部地区农户资金借贷实证分析——基于河南省410户农户的问卷调查[J]. 财务与金融, 2011, 0(2): 12-15 |
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| 作者姓名： | 吴战勇 |
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| 作者单位： | 南阳理工学院,河南南阳,473004 |
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| 摘 要： | 通过对中部河南省410户农户资金借贷行为的问卷调查,发现农户资金借贷的可获得性不强,资金用途上呈现非农生产的特征.正规农村金融机构较少提供农户小额信用贷款,农户贷款普遍受到较多的信用限制,其中农村信用社的支农功能更是弱化.虽然民间私人借贷信用形式灵活,但借贷范围较窄,借贷也不活跃且较少满足农户大额贷款需求.文章针对中部...
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| 关 键 词： | 中部地区 农户 资金借贷 农村信用社 民间私人借贷 |
Empirical Study of Peasants' Loans in Central Areas of China Questionnaires Survey based on 410 Peasants in Henan Province |
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| WU Zhan-yong. Empirical Study of Peasants' Loans in Central Areas of China Questionnaires Survey based on 410 Peasants in Henan Province[J]. Accounting and Finance, 2011, 0(2): 12-15 |
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| Authors: | WU Zhan-yong |
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| Affiliation: | WU Zhan-yong Nanyang Institute of Technology,Nanyang 473004 |
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| Abstract: | Through the questionnaires survey on loans of 410 peasants in Henan province,we find that the loans are difficult for peasants to acquire,and the utility of funds has showed the characteristics of non-agriculture production.The governmental rural financing institutions provide few small loans for peasants,the loans for peasants are limited by credit,while the function of supporting agriculture in these institutions is weakened.Although the private loans of credit are flexible,but the scale are limited and not active enough and they could not meet the requirement of large loans for peasants.This paper provided some significant policy suggestions for the problems showed in the loans for peasants in Henan province. |
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| Keywords: | Central Henan Province Peasants Loans Rural Financing Institutions Private Loans |
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