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农户作为一个融资主体,与信用社、政府等机构单位相比其本身就是一个相对弱势的群体,因此农户的借贷会存在一些列问题。本文通过对“农户正式借贷行为”的研究后,发现影响农户正式借贷的因素为农户自身、正规金融机构实力、农村金融生态环境、政府政策、农户可抵押资产、民间借贷市场六个方面,据此,分别从农户、正规金融机构、政府三个方面提出了针对性的政策建议。
Farmers as a financing main body, itself is a relative weak group compared with institutional units such as credit cooperatives and government, so there will be some problems in the lending of rural households. After studying “the formal loan behavior of peasants”, this paper finds that the factors that affect the formal loan of peasant households are the peasants themselves, the strength of formal financial institutions, the rural financial eco-environment, government policies, the peasants’ mortgage assets and the private lending market , Accordingly, put forward some specific policy suggestions from three aspects: farmers, formal financial institutions and government respectively.