乡村振兴背景下农户借贷供需及政策启示研究

A Study of the Supply and Demand of Rural Household Loans and Policy Implications against the Background of Rural Revitalization

农户作为乡村振兴的具体实践者和创造者,是金融支持乡村振兴的主要承接载体。乡村振兴背景下,农户借贷需求逐渐呈现出理性化借贷动机、现代化借贷资质、过渡期社会网络的时代特征,并通过信息约束这一核心因素,在资金供给者的信息代理、资金需求者的信息要求、资金供给者与需求者的信息对称三个层面,深刻影响了农村金融供给机制,同时也为进一步深化农村金融领域供给侧结构性改革提供了政策启示,即通过推动农村金融机构回归本源、推动农户社会资本信息显性化和标准化、推进农村正规金融与非正规金融有机融合,建立符合农户借贷特点、满足农户借贷需求的农村金融服务机制。

As the specific practitioners and creators of rural revitalization,rural households are the main carriers of rural revital-ization via financial supports.Against the background of rural revitalization,the farmers\loan demand gradually presents such characteristics as rational motivation for loans,modern loan qualifications and transitional social network.Through the core fac-tor of information constraint,it can be divided into three aspects:the information agent of the capital supplier,the information requirement of the capital demander,and the information symmetry between the capital supplier and the capital demander.It has a profound impact on the rural financial supply mechanism,and also provides some policy implications for further deepening the supply-side structural reform in the rural financial field.That is to say,by promoting the return of rural financial institutions to their roots,promoting the disclosure and standardization of the farmers\social capital information,and promoting the organic integration of the formal and informal finances in rural areas,it aims to establish a rural financial service mechanism that con-forms to the characteristics of the farmers\loans and meets their loan demand.