农户融资需求与融资环境的改善——基于河北省农户融资状况的调查

Farmers' Financing Demand and the Improvement of Financial environment——Based on the Investigation of Farmers' Financing Condition in Hebei Province

农村金融服务的有效性水平决定着农村金融需求的满足程度。现阶段,农户融资需求呈现出融资目的主要用于生产性经营、融资规模不断增大、融资方式趋于有息借贷、融资渠道多为民间融资等基本特征;制约农户融资需求的因素除了农户自身的文化水平、收入水平、经营内容、经营规模之外,更主要的是其外部融资环境,尤其是制度缺陷。建议建立真正服务于农户的内生型的微型金融组织,现有金融机构要在业务内容和服务方式上不断创新,强化相关配套制度,以改善融资服务环境,满足农户融资需求。

The satisfaction degree of the rural financial demand is decided by the efficiency of the rural financial service.At present,the basic characteristics of farmers financing demand presented as the following： used for productive business,rapid growing scale,interest lending tendency,and non-government financing.Besides their own cultural and income level,as well as management content and scale,the more essential factor which constrains farmers financing needs is the external financing environment,especially the institutional defects.From the aspects of establishing endogenous microfinance organizations,the paper puts forward some advice to improve financing service environment,content farmers financing demand,innovate the business content and service manner of financial institutions constantly,and strengthen the related system arrangement.In this case can we better the financing situation and meet farmers＇ needs.