贫困农牧户金融需求视角下的半农半牧区微型金融发展现状调查研究

Research on the current situation of microfinance development in semi agricultural and semi pastoral areas from the perspective of financial needs of poor farmers and herdsmen

随着我国农牧民收入水平的提高,农村牧区金融市场的供需结构也发生了变化。农村牧区金融机构无法有效满足农牧户日益增长的金融需求,贫困农牧户面临着一定的融资约束。通过调查分析半农半牧区贫困农牧户金融需求现状和金融需求行为及影响因素等,发现贫困农牧户受教育水平低,农村牧区信用担保体系不健全,贫困农牧户信用缺失严重等问题。通过提出相应的对策建议,试图解决半农半牧区贫困农牧户融资难的问题,为农村牧区微型金融发展寻找思路和对策。

With the higher income of farmers and herdsmen in China,the structure of financial market in rural pastoral areas has also changed,so the present financial institutions in rural pastoral areas can not effectively meet the growing financial needs of farmers and herdsmen now,which lead to the problems for poor farmers and herdsmen in certain financing constraints.In this study,through the investigation and analysis of the status quo of financial demand,financial demand behavior and influencing factors of poor farmers and herdsmen in semi-agricultural and semi-pastoral areas,the researcher found that the poor farmers and herdsmen who were not highly educated,and the credit guarantee system in rural pastoral areas is imperfect,and they lack of credit seriously.Facing those though problems the writer,in this paper,by putting forward the corresponding countermeasures and suggestions to tries to solve the financing problems and to find ideas and countermeasures for the development of micro finance in rural pastoral areas as well as.