农户信贷需求与农村金融市场非均衡态势的实证分析——基于泰安市农户信贷供求现状的调查

An Imbalanced Situation between Farm Household’s Demand for Credit and the Rural Financial Market:An Empirical Study in Tai’an City, Shandong Province

当前我国农村金融市场供求呈现出明显的非均衡态势:一方面,农户对资金的“有效需求”不足;另一方面,农村金融机构对资金的“有效供给”不足。这对矛盾的存在严重制约着整个农村经济社会的发展。本文基于2005年对山东省泰安市农户信贷需求现状的实地调研,剖析了农户信贷需求与农村金融机构信贷供给之间存在的问题,对其产生的原因进行了深入研究,最后提出了探索解决农村金融市场非均衡态势的几点政策性建议。

There is a clear imbalance between supply and demand in the financial market in rural China today. The farm households lack “effective demand” on the one hand, and the rural financial institutions are in shortage of “effective supply”, on the other. That has badly retained a healthy development of socio-economic development in rural China. The paper is based on a field trip in Tai’an city, Shandong Province in 2005, to learn the farmers’ demand for financial help and situation of rural financial institutions. Policy implications are discussed to deal with the imbalanced financial market in rural areas