新疆哈萨克族农牧民借贷行为研究——以伊犁州三个县哈萨克族农牧民为例

Research of Xinjiang Kazak Farmers and Herdsmen Borrowing Behavior——In three Yili counties of Kazak farmers and herdsmen as an example

国际市场价格走势影响国际农畜产品价格,其中一些国际化程度较高的农畜产品价格出现稳定甚至下跌现象。使以这类农畜产品为主要收入来源的哈萨克族农牧民所获得的利润越来越少,并出现借贷行为变化、银行借贷使用效率降低的问题。文章采用伊犁哈萨克自治州三个县的哈萨克族农牧民的调研数据,从户主自身特征和家庭特征出发,重点分析农牧民借贷行为出现的变化及原因。最后针对性地提出相关的政策建议来遏制这一现象。

The price in the international market impact the trend of international agricultural and livestock products prices, some agricultural and livestock products prices of higher degree internationalization have been keeping stable or even declining. The Kazakhstan farmer and the herdsman who regard this type of agricultural and livestock products as the main source of income get less and less profits, and resulting in the emergence of changes in lending behavior, the reduce of bank borrowing efficiency . This paper using the survey data of three counties＇ Kazak herdsmen in Yili Kazak Autonomous Prefecture, starting from the self-characteristics and family character- istics, analyzes the changes of farmers and herdsmen＇s loans and its reasons. Finally, put forward the relevant poli- cy recommendations to curb this phenomenon.