基于农户视角的汶川地震灾后重建信贷政策实施效果的评估研究

Evaluation research of reconstructing credit policy realization effect after Wenchuang earthquake based on farmer angle

本文在对极重灾区、重灾区和一般灾区的300份问卷的调研基础上,从农户的视角出发,通过建立信贷政策实施效果的评估体系,以此来分析灾后重建过程中信贷政策在农村地区的实施效果,从而了解信贷政策实施中存在的问题,最后提出对策建议:加强宣传力度,实现宣传多样化;提升金融机构的服务水平,创新服务方式;建立配套的金融机制、金融产品和服务。

The paper is based on 200 copies of ques tionnaires in quake-hit areas ,severely area and gen- erally afflicted areas .From the uerspective of farm- ers, the paper sets up a system of evaluating the effect of implementing credit policy of the reconstruction, so as to analysis the implementation effect of post- disaster reconstruction process credit policy in rural areas. This paper reveals the problems existing in the credit policy. Finally corresponding suggestions were proposed： strengthening the publicity and Implement diversification, raising the level of services in fi- nancial institution and Innovation service mode,estab- lishing matched financial mechanism, financial prod- ucts and services.