西部欠发达地区农村民间借贷规范发展的路径选择——基于陕西省大荔县128户农户的调查

Route Choice of Rural Folk Credit Normal Development in Western Less Developed Region——based on the survey to Da Li County Shanxi Province

以对陕西省大荔县128户农户民间借贷的调查结果为依据,从借贷规模、借贷利率、资金用途、借贷契约等方面对西部欠发达地区农村民间借贷现状进行了分析,指出缺乏法律保障、借贷利率偏高、金融风险较大是西部欠发达地区农村民间借贷规范发展的主要限制因素。对此,提出了若干政策建议。

Firstly this article analyzed the condition of rural folk credit in western less developed region, from the aspects such as scale of credit, lending rates, uses of fund and loan contracts. Then it pointed out lack of legal protection, high lending rates and financial risk was the major limiting factor of normal development of the rural folk credit in western less developed region. At last it put forward some policy suggestion so as to make it develop normally.