欠发达地区农村有效信贷需求的差异性研究

Study on Differentiation of Effective Rural Credit Loan Demand in the Underdeveloped Regions

区域经济发展不平衡,是造成我国农村有效信贷需求存在显著地域差异的根本原因。决定了农村信贷需求必然是一种多层次的结构,即使在同一区域,不同规模、不同生产模式的企业和农户,信贷需求也存在较大差异。通过对欠发达地区农村有效信贷需求的差异性的分析,揭示了有效信贷需求差异性演变中暴露出新的矛盾。提出多元化发展农村金融,改善外部环境,构建金融服务体系,建立微观经营机制,实行担保和保险机制创新等相关政策建议。

Unbalanced development of regional economy is the essential reason for the existence of outstanding regional difference in effective rural credit loan demand in the countryside in China. Rural credit demand is a kind of multi - level structure, even in the same region, enterprises and households with different size and different production patterns will greatly different credit demand. An analysis is made on the differentiation of effective rural credit demand in the underdeveloped regions. New contradiction exposure in the evolution of differentiation of effective ru- ral credit demand will be discovered. Such proposals are made as diversified development of rural finance, improving external environment, building up financial service system, establishing micro operational mechanism, implementation of guarantee and insurance mechanism innovation, etc.