需求视角下农户借贷行为分析——以六省农户调查数据为例

Study on Rural Households' Credit Behavior from Demand Perspective:Evidence from Rural Household Survey Data of Six Provinces in China

本文从需求视角出发,以六省农户调查数据为例,分析农户借贷行为表现及其形成原因。结果表明,我国农户借贷需求依然主要通过非正规渠道来实现,但对发达地区与家庭经济条件较好的农户而言,正规借贷渠道的作用有所提高;农户借贷用途主要是生活性支出,这受限于农户自身能力和缺乏必要的生产经营投资机会,但农业新品种新技术的广泛使用和非农就业机会的多元化对扩大农户生产性借贷比例起积极作用;农户借贷期限以短期为主,其中非正规借贷以无息形式为主,但有息借贷现象已较为常见,农户认可和接受契约型借贷可能与市场化改革不断深入有关。

Based on demand perspective,this paper has analyzed rural households' credit behavior and possible reasons using survey data of six provinces in China.According to the results,informal channels are still main choices of rural households having credit demand in general which there is obvious funding shortage and credit constraints in rural China.However,the role of formal channels is growing in developed regions and rural households with better economic conditions.Due to restrictions of rural households' ability and being lack of necessary investment opportunities,the credit usage is mainly living expenditure.At the same time,the importance of productive credit is tending to growing.This is mainly contributed by wide usage of new species and technologies and diversity of nonagricultural employment opportunities.At last,short-term and interest-free credit are still main forms of rural households' credit behavior.Interest-bearing credit is becoming more frequent when it is from informal credit channels.As deepening of marketing process,rural households' preferences are changing from relationship type to contract type slowly.