粮食主产区县域农户借贷行为及其影响因素分析

Analysis of Impacted Factors and Rural Households Borrowing Behavior of Major Grain-producing Areas of County

为对我国粮食主产区农户借贷行为及其影响因素深入了解,并进一步为农村金融体制改革提供参考,对黑龙江省的农业大县巴彦县200户农户进行了问卷调查和统计分析,从农户的资金需求、借贷渠道、用途、规模、正规金融的供给情况等方面考察了农户的借贷特征及其影响因素,揭示了粮食主产区县域农户的借贷动机和行为。结果表明,粮食主产区县域农村农户借贷资本主要用于生产性用途,资金来源以正规金融和亲友借款的混合借贷占较大比例,农户类型和生产性资产是农户能否获得借贷资本的关键因素。

Through the survey and statistical analysis of the major grain-producing areas of Bayan County of 200 rural households in Heilongjiang province, from the demand of funds of rural households, channel borrowing, the scale of the capital and situation of supply, the feature of rural households borrowing behavior and impacted factors were investigated which revealed the major grain- producing areas of the county rural households borrowing behavior and motivation. The results showed that the rural households of major grain-producing areas used loan capital for productive purposes. A larger proportion of sources of funding from formal finance and borrowing friends and relatives of lending, the type of rural households and productive assets was a key factor that availability of loan capital.