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| 西部地区农户资金借贷实证分析
———以陕西省248 户调查为例 |
| Empirical Analysis of Borrowing by Rural Households in Western Regions———Based on Survey to 248 Rural Households in Shaanxi Province |
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| DOI： |
| 中文关键词: 西部地区 农户 资金借贷 民间金融 |
| 英文关键词: Western regions Rural households Lending and borrow ing Private finance |
| 基金项目:教育部新世纪优秀人才支持计划项目“WTO 背景下中国西部现代农业产业发展战略体系研究”(2005 .1 -2007.
12)资助。 |
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| 中文摘要: |
| 通过对陕西248 家农户资金借贷现状的实证分析, 发现西部地区农户对于资金借贷需求逐年上升;农
户资金借贷主要来源是民间金融, 而从正规金融机构贷款比例逐年提高;借贷资金主要投向于资金需求较大的生
活消费项目和投资回报率较高的非农领域及高效农业项目, 总体上生活性借款比重有所增加而生产性借款比重有
所下降。文章针对西部地区农户资金借贷特征及存在的问题, 提出了相应的政策建议。 |
| 英文摘要: |
| Based on the empirical study of 248 rural households' borrow ings, it is discov ered that :demand for fund borrowing by rural
families is increasing year by year ;source of lending funds is mainly from private financing , but percentage of bor rowing from official
financial institutions is increasing ;Borrow ed funds are mainly invested in large-amount consumptio n projects as w ell as in non-ag
ricultural prog rams or high yielding ag ricultural projects.In general , the pro portion of borrowing for consumption has been on the
rise while that fo r production sees a decline .In lig ht of these characteristics and problems existing in rural household bo rrowing in
w estern regions, the authors provide some suggestio ns on how to improv e it . |
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