贫困农户信贷障碍与原因分析

研究表明,中国农村信贷资金的流向主要是乡镇企业和条件好的农户,农村中最贫穷的人目前正面临着信贷约束和信贷障碍的威胁.造成这些威胁的原因,一方面与贫困农户本身信贷能力弱、信贷观念落后和有效信贷需求不足有关;另一方面与信贷市场环境和信贷制度有关.正确评估和认识这些原因,对于我们探索农村信贷规律和加强对贫困农户的信贷支援都有重要意义.

An Analysis of Reasons for Credit Obstacle of Poor Farmer Households

Studies show that China' rural credit funds mainly benefit township enterprises and richer farmer households and that the poorest in the countryside are facing with the threat of credit restraint and credit obstacle.The problem is caused in part by the poor farmer households'weak credit ability,backward credit conception and the lack of credit demand,and it also has something to do with the credit market and credit system.It's very important and helpful for us to realize and evaluate reasons of the problem correctly in our exploring the law of rural credit and strengthening the credit support to the poor farmer households.