基于农户视角的小额信贷使用效率分析——以和田M县为例

Efficiency of Microcredit from the Perspective of Farmers—A Case Study of Hotan M County

通过对和田地区M县部分农户进行实地走访调查,选取农户的年龄、受教育程度、家庭劳动力人数作为分析指标,以此研究和田地区M县农户小额信贷的获得情况。通过对农户资金使用用途的分析,指出和田地区M县农户小额信贷中存在的问题,如金融制度的不完善、借贷供需不平衡等。最后,提出了提高农户小额信贷使用效率的对策和建议。

Through the field investigation of some farmers in M county of Hotan area,several indexes such as farmers'age,education level and the number of household laborers of farmers were selected to study the acquisition of microcredit in M county of Hotan area.And through the analysis of the use of farmers'funds,the problems existing in farmers'microcredit in M county of Hotan area,such as imperfect financial system and imbalance of supply and demand of loans and so on were pointed out.Finally,countermeasures and suggestions on improving the efficiency of microfinance use by farmers were put forward.