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农户信贷需求与融资偏好差异化比较研究——基于江苏省588户农户调查问卷
引用本文:马晓青,黄祖辉.农户信贷需求与融资偏好差异化比较研究——基于江苏省588户农户调查问卷[J].南京农业大学学报(社会科学版),2010,10(1):57-63.
作者姓名:马晓青  黄祖辉
作者单位:浙江大学中国农村发展研究院,浙江,杭州310029
摘    要:通过对江苏3个县区588户农户问卷调查,了解处于不同经济发展水平的苏北、苏中、苏南农户信贷需求的特征,比较三个地区在贷款用途、融资渠道、融资偏好等方面的差异性。研究发现信贷需求数量与农户收入具有显著的负相关性:苏北农户信贷需求的频率最高,但借款金额相对较小,大多是消费性用途;苏中农户信贷需求的频率相对较低,但借款金额较大,贷款主要用于生产性用途;苏南农村已经完全城市化,信贷需求主要是消费性用途。三个地区农户的融资渠道都明显表现为以民间融资为主的特征。从总体样本的融资选择次序看,第一选择是亲戚朋友借款,第二选择是银行,第三选择是信用社,最不情愿的选择是高利贷。建议加快农村金融机构改革,引进新型的小额贷款机构和其它金融机构,满足农户多样化和差异性的金融需求。

关 键 词:信贷需求  融资渠道  融资偏好

Comparison Analysis on Rural Credit Demand and Financing Preference in Jiangsu Province
MA Xiao-qing,HUANG Zu-hui.Comparison Analysis on Rural Credit Demand and Financing Preference in Jiangsu Province[J].Journal of Nanjing Agricultural University(Social Science Edition),2010,10(1):57-63.
Authors:MA Xiao-qing  HUANG Zu-hui
Institution:Center of China Agricultural and Rural Development/a>;Zhejiang University/a>;Hangzhou 310029/a>;China
Abstract:The survey of 588 households in Jiangsu Province yielded the identification of the characteristics of credit demand in the south,middle,north of Jiangsu,and the comparison on the regional differences in loan purpose,financing channel and preference.It was found that the credit demand and the household income exhibit negative correlation.The farmers in the north of Jiangsu have the highest demand frequency,but financing is small and chiefly for consumption.The farmers in the middle of Jiangsu have lower dema...
Keywords:Credit Demand  Financing Channel  Financing Preference  
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