融资效用视角下的正规金融涉农贷款

农户融资行为有生产目的和非生产目的,贫困农户融资偏好于非生产,富裕农户融资偏好于生产,从农户融资效用角度比农户融资利润角度分析农户更准确。通过分析可以得出三条结论,一是降低利率抑制了金融机构贷款给融资能力弱的贫困农户,但低利率却促使贫困农户融资行为,两者相互作用影响贷款底线。二是信用建设与减低融资成本虽能促进农户融资,但存在作用范围。三是需要根据农户融资行为对贷款措施的敏感程度划分农户,并对不同类型农户实施政策措施。

An analysis of the Formal Financial Agricultural Loans under Financing Utility

Farmers financing behavior has production and non-production purposes.The financing preference of the poor households is non-production,while the wealthy farmers is production,so,it is more accurate to analyse farmers from the perspective of financing utility instead of financing profit.Three conclusions can be olrawn by analyzing,First,lower interest rates inhibit the financial institutions to provide loans to the poor farmers for financing capacity,but low interest rates prompt the financing behavior of poor households,the interaction of the two affect the loan bottom line.Second,though credit building and the cost of financing reduction promote farmer financing,there is scope of action.Third’ it’s necessary to divide farmers according to the sensitivity degree of loan measures,and implement different policy measures to farmers accordingly.