论文部分内容阅读
采用等比例分层抽样选取吉林省全部地区的1275户农户进行问卷调查,从农户借贷需求规模、农户贷款满足情况、农户借贷运用情况以及农户对金融机构的认知情况等方面分析农户借贷行为特征。调查结果显示,多数农户结余较少,对资金有一定的需求;正规金融机构主要满足农户的大额贷款需求,非正规的金融机构更能满足农户小额贷款需求;农户从正规金融机构的贷款主要用于生产投资;另外,农户对正规金融机构的业务及贷款政策并不十分了解,这导致了农户向正规金融机构借贷的频次较低。
A sample of 1275 households in all areas of Jilin Province was selected by means of stratified sampling with equal proportions to conduct a questionnaire survey to analyze the characteristics of farmers ’credit behavior in terms of the scale of demand for loans by farmers, the satisfaction of farmers’ loans, the utilization of loans by farmers and their cognition of financial institutions . The survey results show that the majority of rural households have less balances and have certain needs for funds. The formal financial institutions mainly meet the large loan needs of farmers. Informal financial institutions can better meet the needs of small-household loans. Farmers’ loans from formal financial institutions Which is mainly used for investment in production. In addition, farmers do not fully understand the business and lending policies of the formal financial institutions, which leads to the low frequency of farmers borrowing from the formal financial institutions.