农户信贷业务发展及绩效实证分析——以甘肃省武威市为例

The Empirical Analysis on the Development and Performance of the Farmer Credit Business——A Case of Wuwei City in Gansu Province

我国经济的可持续发展离不开"三农"基础的支撑,而其中农村金融的发展又是推动农村经济快速发展的关键。近年来,农户信贷业务快速发展,一定程度上解决了农民的"贷款难"与涉农金融机构"难放款"的资金供求矛盾,对于农村地区经济社会发展起到了良好的推动作用,对农户信贷发展及其绩效进行评价具有很强的现实意义。本文从我国农村信贷与农村金融市场发展的实际出发,阐述了甘肃省武威市农村信贷的供需现状,通过进行问卷调查,获得实际调查数据,采用回归分析方法对农户贷款的绩效进行分析评价,并从农户信贷长期可持续发展的视角提出了相应的政策建议。

The sustainable development of China’s economy cannot do without the support of the the foundation of agriculture, rural areas and farmers, and the development of the rural finance is the key to promoting the rapid development of the rural economy. In recent years, the rapid development of farmer credit business to a certain extent has solved the contradiction of supply and demand of funds, that is the contradiction that farmers are difficult the get loans and agriculture-related financial institutions are difficult to grant loans, which plays a good role in promoting the economic and social development of rural areas, and has great practical signifi-cance to evaluate the development and performance of farmer credit. The paper begins from the reality of the development of rural credit and financial market in China, expatiates on the current situation of the rural credit supply and demand in Wuwei city in Gansu province, obtains the actual survey data through the questionnaire survey, analyzes and evaluates the performance of the farmer credit using regression analysis method, and puts forward corresponding policy recommendations from the perspective of the long-term sus-tainable development of the farmer credit business.