论非农化进程的农户借贷行为

非农化进程中各类农户借贷行为的差异较大,研究处于不同非农化水平的农户借贷行为,发现其特征和需求规律,对于制定相应的金融政策,合理配置和利用农村金融资源,更好地满足不同农户的资金需求,推进农户的非农化进程有着积极的意义。本文根据对陕西三大地带的12个县,28个行政村共237户农户,为期5年的借贷行为的持续性问卷调查资料,从借贷用途、借贷水平、发生率、规模以及借贷来源等方面,对不同类型的农户借贷行为做出了比较和分析,并提出有针对性的政策建议。

Analysis Farmer Household Behavior of Credit in the Course of Household Non-agriculturalization

In the course of household non-agriculturalization,there are distinct differences in credit behavior among peasants households'.To study credit behavior and find out the characteristics and demand rules of different kinds of peasant households is a good way to constitute related finance policy,to collocate and utilize reasonably the resource of rural finance,to satisfy different kinds of peasant households fund demand,and promote the course of household non-agriculturalization.Based on the questionnaire of 273 peasant households' debt-credit behavior in Shaanxi Province,this article compares and analyzes the credit behavior of household from aspects of the use,level,arises rate,scale and resource,finally gives some related suggestions.