| 农户信贷需求与信贷抑制的地区差异性分析——基于2010年江苏、河南、四川3省农户调查问卷 |
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| 引用本文： | 马晓青,刘莉亚,王昭君.农户信贷需求与信贷抑制的地区差异性分析——基于2010年江苏、河南、四川3省农户调查问卷[J].安徽农业科学,2012,40(4):2398-2401. |
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| 作者姓名： | 马晓青 刘莉亚 王昭君 |
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| 作者单位： | 上海电力学院,上海,200090 |
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| 基金项目： | 2010年国家社会科学基金 |
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| 摘 要： | 以江苏、河南、四川3省2010年农户调查问卷为基础,对农户的信贷需求特征和信贷抑制原因进行实证分析。结果表明,不同地区的农户由于收入来源、产业结构等较大差异,信贷需求数量和用途明显不同:东部江苏省农户贷款主要用于水产养殖等生产经营,年借款的平均规模较大;中部河南省农户贷款主要用于造房子和子女上学,年借款的平均规模较小;西部四川省农户借款大部分以造房子为目的。在信贷抑制程度上也存在差异:江苏省信贷抑制农户占比35%,河南省20%,而四川省高达44.5%。缺乏抵押或担保、银行/信用社要求苛刻等仍为主要的信贷抑制原因,而农户家庭收入提高、住房总价值增长、存在打工收入等都会有效降低其信贷抑制情况。建议开发有针对性的金融产品,金融机构提高服务水平,同时建立完善的抵押担保机制,以降低农村金融市场的信贷抑制程度。
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| 关 键 词： | 信贷需求 信贷抑制 地区差异 |
Empirical Analysis of Credit Demand and Credit Restraints of Farmers |
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| Institution: | MA Xiao-qing et al(Shanghai University of Electric Power,Shanghai 200090) |
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| Abstract: | Based on the farmers’ questionnaire in Jiangsu,Henan and Sichuan Provinces in 2010,the characteristics of farmers’ credit demand and the causes of credit restraints were empirically analyzed.As indicated by the results,due to the farmers’ different income sources and industrial structure in different regions,the quantity and usage of credit demands differed largely: in Jiangsu Province located in East China,the farmers’ loan was mainly spent on aquaculture,therefore their annual loan scale was large;in Henan Province located in Central China,most of the farmers’ loan was used for building house and children’s education,therefore the amount of annual loan was small;in Sichuan Province located in West China,farmers loaned for building houses.The credit restraints in three provinces were also different: the farmers’ credit restraints were 35% in Jiangsu Province,20% in Henan Province and 44.5% in Sichuan Province.A lack of mortgage and the strict requirements of banks and other financial institutes were the main causes of credit restraints,while the improvement of household income,the growth of total house value and the income from working would effectively decrease credit restraints.In order to decrease the credit restraints of rural financial market,it was suggested to develop new financial products,improve the service quality of financial institutes and establish perfect mortgage system. |
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| Keywords: | Credit demand Credit restraints Regional difference |
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