农户借贷需求性质调查与分析

Investigation and analysis of the nature of farmer households′ loan demands

在对漳州市华安县华丰镇2个村庄农户借贷需求调查的基础上,分析了农户家庭收入水平、家庭经营类型、年龄、受教育程度对农户借贷需求性质的影响,进而从增加生产性借贷有效供给、创新农村消费信贷品种、发展小型和微型农村金融机构及发挥政府作用等方面提出推动农村金融发展的建议。

Based on the investigation of two villages in Hua′an County,Zhangzhou,effects of the household income level,family management types,age and education on the nature of farmer household loan demands are analyzed.Accordingly the suggestions are proposed to promote the development of rural finance in terms of the increasing effective productive credits,innovating rural consumption credits,building small type rural financial organizations and giving full play to the government functions.