石家庄市城郊农民民间借贷调查研究

A Survey of the Private Lending of Farmers in the Suburban Areas of Shijiazhuang City

通过对石家庄市城郊农民民间借贷的调查发现,这些地区农民民间借贷行为很普遍,这些借贷主要用于消费性支出而非生产性支出,借贷存在规范性差和纠纷多的特点。通过分析发现,影响这些地区农民民间借贷行为的主要因素包括社区结构的转型变化、外部社会经济环境的变化以及正规金融机构服务的不足。应当通过加速城郊地区城市化、构建民间借贷合法化机构、改进正规金融机构服务和加强监管等措施加以应对。

The study of private lending in suburban areas has an important practical significance in reflecting the urbanization process of the areas to a certain extent.A survey of the private lending of farmers in the suburban areas of Shijiazhuang City finds that the private lending is very common in these areas.The borrowing,characteristic of being lacking in standardization and dispute-triggering,is mainly used for consumer expenditures rather than productive expenditures.The main affecting factors include transformation and changes in the community structure,changes in the external social and economic environment,and insufficient services from formal financial institutions.Such measures should be taken to improve the situation as accelerating the urbanization of suburban areas,establishing institutions for the legalization of private lending,improving the services of formal financial institutions,and strengthening supervision.