以农户金融需求为导向创新农村金融服务——基于湖北省监利县的调查

On the Demand-oriented Financial Service Innovation in Rural Area——Evidences from Jianli County

在农村金融发展"需求跟随"指引下,通过对湖北省监利县130户农户的入户详查和深度访谈,发现农户借贷行为较为普遍,农户融资渠道主要依赖农村信用社和亲戚朋友,农户融资主要用于盖房和婚丧嫁娶,农户期盼改善贷款服务和简化贷款程序。发展农村金融,必须以农民增收、现代农业发展和新农村建设的资金需求为导向创新农村金融制度,以发展专业合作社、建立信用担保服务和建立金融互助小组为内容创新信贷方式,以开发婚丧嫁娶保险、贴息贷款、循环贷款等为形式创新金融工具。

Based on the theory of demand following and a survey conducted in Jianli County,Hubei Province this year,this paper finds that borrowing is very popular in rural area,and the main purposes of borrowing include house construction and coping with household emergent affairs such as wedding or funeral ceremonies.However,farmers complain about the poor services and complicated procedures of borrowing.Thus,it is necessary to improve the financial system and mechanism in rural area.The rural financial system should be set up based on the modernization of agricultural industry and the increase of farmers＇ income.Credit co-operation and credit facilities should be permitted.