经济落后地区农户金融合作意愿的实证研究——对陕西省66个县区、111个自然村调查结果分析

The Empirical Research on the Peasants' Wishes for Financial Cooperative in Economic Backward Areas of China

农村金融改革直接关系农村经济发展和农民的切身利益。以往的研究成果大多从分析农村信用社存在问题的角度入手研究农村金融改革,本文则从研究农户意愿的视角探讨这一问题,希望从整体上把握农户、特别是经济落后地区农户的真实意愿。根据调查和计量分析发现,经济落后地区大多数农户实际对现行农村信用社有着积极的评价;农户是否从信用社取得借款对于是否认同信用社以及是否愿意参与金融合作有着密切的关系。

Rural financial reform directly relates to the development of rural economy and personal interests of peasants. Most of former research results have studied rural financial reform from analyzing the present problems of rural credit cooperative union, while this paper studies the problem from analyzing peasants wills, aiming at understanding the real wills of peasants on the whole, especially the real wills of peasants in the economic backward areas. According to the investigations and statistical analysis, we find that most peasants of economic backward areas actually have positive evaluations on the current rural credit cooperative union, and whether the peasants could obtain the debts from the rural credit cooperative union is closely related to whether they acknowledge the rural credit cooperative union and would like to participate the financial cooperation.