农村信用社农户信贷分析——以甘肃省农户信贷调查为例

The Analysis on Farmers' Loaning of Rural Credit Cooperative:Taking the Investigation of Farmers' Credit in Gansu as an Example

农村信用社在农村金融市场上占据着绝对的优势地位,长期以来一直发挥着农村金融"主力军"的作用,为农村经济的发展提供金融支持。为了了解农村信用社对农户贷款的实际满足情况,本文通过调查问卷的方法,分析了农村信用社农户信贷状况和农户金融需求情况,得出农村信用社并不能满足农户的资金需求的结论,并在此基础上,提出了构建多元化的农村金融体系、加强农户信贷能力建设、积极发展农村信用社的金融支农贷款等建议。

As being a ＂mainstay＂ role in rural finance, the rural credit cooperative dominates the ru- ral financial marketing and gives the financial support for rural economic development. To know the ac- tual conditions on the Rural credit cooperatives to loan money to the farmers, the essay analyzes the basic credit conditions of the farmers and the financial needs of farmers in rural credit cooperatives, and makes conclusion that the rural credit cooperatives, to some extent, cannot meet the financial needs of the farmers. Based on that, it proposed to build a wide range of rural financial system, strengthen the farmers credit capacity-building, and the positive development of financial support for agriculture loans of rural credit cooperatives.