社会转型中的农户信用与融资需求

The Peasant Households' Credit and the Financing Demand in the Social Transformation

本文在对农户信用特征进行论证的基础上,分析了农户融资需求现状与特征,以及制约农户融资需求的变量因素,并提出了增加财政对农业的资金投入,引导金融机构的信贷资金向农业领域配置;依托传统亲缘信用发展合作金融满足生活消费和一般消费资金需求;依靠现代契约信用发展商业金融满足其他经营性资金需求;积极开发农户信用资源,促进农户金融需求与农户信用联合的统一等相关建议。

Based on the argument of the characteristics of peasant household＇ s credit, the paper analyzes the current situation and characteristics of peasant households＇ financing needs as well as the variable factors which restricts farmers＇ financing needs, and puts forward related suggestions.