传统农区农户借贷的需求与供给——基于陕西渭北地区农户借贷行为的调查

The Credit Demand and Supply of Farmer Household in Traditional Agricultural Area——Based on the Investigation in Northern Weihe Rigon Shaanxi Province

不同经济发展水平的地区,农户借贷各有特点。通过在以传统农业为主的陕西咸阳渭北地区(长武县、彬县)对8个村102个农户借贷行为的问卷调查,发现传统农区农户借贷需求大,借贷资金更多地用于资金量大的家庭消费项目、农业生产以及高效农业上,资金供给主要来自民间借贷,农村信用社不能满足农户对借贷资金的需求;针对农户资金借贷的需求和供给状况,提出了促进传统农区农村金融健康发展的政策建议。

Farmer Household's credit has varicus characters in areas with different economic development-level.Through investigation of 102 household's credit behavior in eight countries,it learns that demands of farmer household's credit is higher in conventional agricultural areas,the capital of credit is mostly used in the items of family consumption and non-agriculture production and high-profit agriculture.The supply of capital mainly comes from informal credit. Rural cooperative banks can not satisfy the demand of household's credit.According to above conditions, the paper puts forward some suggestions for policy to improve rural finance development in conventional agricultural areas.