我国村镇银行与农户之间“双向惜贷”的影响因素及对策分析

The Two-way Reluctant To Lend Or Loan Beteen Village Banks And Farmers Of Our Country's Influence Factor And Countermeasure Analysis

农村金融是农村经济发展的重要支柱,农村小额信贷的发展又对农村金融的发展起着至关重要的作用。然而,在农村信贷市场发展过程中,农户和村镇银行均产生了严重的惜贷情绪,大大阻碍了农村金融市场的发展。基于此,本文对唐山市H镇村镇银行及H镇所辖行政村的145户农户进行数据调研,即从需求视角对影响农户惜贷情绪的影响因素进行实证检验,又从供给视角对H镇村镇银行的内部管理结构与信贷风险进行分析。最后,本文分别从供给方面和需求方面及政策方面提出缓解双方"惜贷"情绪的建议。

Rural finance is the important pillar of rural economic development, the development of rural microfinance and the development of rural finance plays an important role. However, in the development of the rural credit market, the farmers and village Banks have developed severe reluctant to lend or loan, greatly hindered the development of rural financial market. Based on this phenomenon, in this paper, the H town＇s village Banks of Tangshan city and H town＇s administrative villages which had jurisdiction over the town of 145 peasant households, the research from the perspective of demand the influence factors of affecting the farmers to loan emotional empirical test, and from the perspective of the supply of H town village Banks internal management structure and credit risk analysis. Finally, this paper respectively from the aspects of supply and demand and government policy suggest ease tensions ＂lend or loan＂ the mood.