乡镇金融需求主体中农户借贷行为分析

Analysis of the Peasant Household's Demand of Rural Financial

乡镇金融一直处于我国金融体系的基础薄弱环节。随着改革开放的不断深入,靠发展乡镇金融来带动和搞活整个金融市场显得越来越重要。从农户这一角度出发,分析影响农户借贷行为的主要因素,并提出加大政府扶持力度、发展普惠金融和加强诚信和普法教育等促进农户借贷健康发展的建议。

In China township finance has been a weak link in the basis of the financial system. With the deepening of the reform and opening up, it is more and more important for the whole financial market to develop township financial. From the perspective of the farmers, this article analyzes the main factors influencing the peasant household borrowing and puts forward to those proposals to promote the healthy development of farmer credit: strengthening government support, developing inclusive finance and strengthening the integrity and the legal education and so on.