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Position: Home > Articles > Analysis on Peasant Family Depositing and Lend-borrow Action in Jianli County of Hubei Province Journal of Hubei Agricultural College 2003,23 (3) 196-200+216

湖北监利县农户家庭储蓄与借贷行为的实证分析

作  者:
黎东升;史清华
单  位:
上海交通大学管理学院;浙江大学管理学院
关键词:
农户家庭;储蓄行为;借贷行为;实证分析;监利县
摘  要:
农户的储蓄目标相当明确———为了社会保障。民间借贷行为的形成与繁荣是正规金融组织弱化农村信贷服务功能的一种结果。民间借贷尽管以"亲情"和"友情"等两情借贷为主,借贷中"立字据"与"付息"比例也不占优,但不少付息的案例表明"高利贷"行为在农村比较普遍。更为值得注意的是在高利贷发展过程中,乡村干部和村级组织也参与进去了,已成为"高利贷"放贷者的主体。尽管农民在求贷的途径选择上优先选择"高利贷",主要原因是更看重其成功率。
译  名:
Analysis on Peasant Family Depositing and Lend-borrow Action in Jianli County of Hubei Province
作  者:
LI Dongsheng1,2, SHI Qinghua3(1. the Management Academy of Zhejiang University, Hangzhou,Zhejang 310029,China ;2.Department of Economics and Trade, Hubei Agricultural College,Jingzhou,Hubei 434025,China;3.the Management Academy of Shanghai Communications University,Shanghai 200052,China)
关键词:
peasant family;deposit action; lend-borrow action ; positive analysis;Jianli County
摘  要:
The aim of peasant depositing is very clear-to gain social security The formation and boom of lendborrow action between individuals is the result that formal monetary institutions weaken its rural credit service functionMany cases show that highinterest credit is very common in rural area, though the lendborrow action among the people is mainly between friends or relatives and some of them make a note and pay interestDuring the development of highinterest credit, rural cadres and organizations also involve in it and become the main body, to which more attention should be paidPeasant give priority to the highinterest credit wainly because they are looking for the ratio of success in loaning money

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