论文部分内容阅读
本文为了解广东省农户小额贷款信用评价体系的现状以及政银保的发展,走访调查了广东省佛山、珠海、茂名、湛江4个地区农户的小额贷款情况,并对得到的数据进行了农户不贷款原因和贷款需求分析。结果发现,所有被调查农户中贷款需求不大的比例最大,在受调查者中贷款用于种植业、养殖业等农业生产费用贷款占据的比例最高,相比现代其他贷款模式,政银保接受度较高。
In order to find out the status quo of credit appraisal system of microfinance for farmers in Guangdong Province and the development of the government bancassurance, this paper investigated the microfinancing of farmers in four districts of Foshan, Zhuhai, Maoming and Zhanjiang of Guangdong Province. The data were analyzed Reasons for Non - loan of Farmers and Needs Analysis of Loans. As a result, it was found that the proportion of loans to agricultural production was the highest among all surveyed households, and the proportion of loans for agricultural production expenses such as farming and aquaculture occupied the highest among respondents. Compared with other modern loan models, Higher degree.