贫困型农户融资困境分析与政策建议—基于重庆市的调查数据分析

Financing Dilemma Analysis and Policy Recommendations of Poverty Peasant Households

本文以重庆市暂时贫困型农户为调查对象,对贫困型农户的融资状况进行了调查分析,结果发现:重庆市贫困型农户中的绝大多数都有信贷需求,且以中短期的小额需求为主,其最主要的是生活消费性需求,其次才是生产性支出,但实际发生借贷现象的贫困型农户比重不高,从正规金融机构获得过贷款的贫困型农户更少。资金需求量太小、缺乏担保抵押是他们很难从正规金融机构获取融资的主要因素。

This article takes Chongqing temporary poverty peasant households as investigation objects,researching and analyzing the poverty peasant households＇ financing situation.The consequence is： the majority of Chongqing poverty peasant households have credit demands,and the most of which turn out to be the medium and short term micro-credit.In addition,the uppermost demand is life consumption,then productive expenditure,however,as a matter of fact,the poverty peasant households obtain a low proportion of agricultural credit,and the fewer poverty peasant households get credit from regular financial institution.The main factors,which prevent them from obtaining credit in regular financial institution,are the low level of fund demand and lack of guaranteed mortgage.