中国农户融资选择行为研究

Research on the Financing Selective Behavior of the Chinese Household

近些年来,农户生产经营性资金供应不足和农户融资困难,严重制约了中国农业的发展。大量对农户融资选择行为的调查发现,农村资金供应总量缺乏,农户融资艰难,而且农户的融资方式各有不同,选择的融资渠道也存在着差异,并且农户的融资也很少直接用到生产上。为了解决农户融资难的问题,必须加强政府对农村金融市场的引导,改革现行农村信用社、农业银行体制,完善农村中小金融组织功能,建立健全符合农村社会经济发展需要的农村金融体系。

In recent years, the short supply of production operating funds and financing difficulties of peasant household have heavily restricted the development of agriculture. Through the survey on financing selective behavior of peasant household, we can see that different ways of financing can lead to different financing channels and the asset was mainly used to non-productive actions. To resolve the peasant household financing problems, government should strengthen the intervention on countryside financing market, reform the function of small and medium-sized financial institutions（such as rural credit cooperative, agriculture bank） in rural areas, and establish a rural finance system that can meet the need of social and economic development.