农村PNO机制与农户融资信用研究——以陕西省扶风县样本为例

Study on Rural PNO and Peasant Credit——Taking Fufeng County as an Sample

由于农户信用缺失所造成的融资难问题已成为阻碍我国农业和农村经济发展的桎梏。本文试图从经济学的角度出发,通过扶风县具体案例的深入剖析,探究农村PNO机制中信用形成的内在机理,论证农户信用融资的可行性,从而探索出一条解决农户信用融资困境的有效途径。

In China＇s agricultural finance market, the biggest obstacle is that farmrs always have difficulties getting loan because of the deficiencies of their credit record. There are many theories about agricultural loan, but until today, no theory can find a good solution for this. Thus, to explore effective solution for farmers to get loan is very important. Based on economic theory, analysing the networks structure theory and Fufeng agricultural financial agency samples, It is identified that the networks structure is of key function for improving the credit reputation of farmers.