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Position: Home > Articles > An empirical study on rural household′s credit behavior in Gansu Province Journal of Gansu Agricultural University 2008,43 (3) 148-152

甘肃省农户借贷行为的实证研究

作  者:
汪婉莉;杨林娟
单  位:
甘肃农业大学经济管理学院
关键词:
农户;借贷行为;民间借贷;甘肃省
摘  要:
通过对甘肃省250户农户资金借贷现状的实证分析,发现甘肃省农户资金需求量很大,其中民间借贷在农户借贷中占有很大比重,借款对象主要是亲朋好友;农户借贷资金主要投向于非农领域;农户对借款利率有一定的敏感度,对期限的选择中无确切期限,延期的借款多;同时调查还发现农户对农信社的借贷政策还不太了解.
译  名:
An empirical study on rural household′s credit behavior in Gansu Province
作  者:
WANG Wan-li,YANG Lin-juan (College of Economy and Management,Gansu Agricultural University,Lanzhou 730070,China)
关键词:
rural household;credit behavior;informal credit;Gansu Province
摘  要:
An empirical study on the rural household′s credit behavior in Gansu province was carried out based on the present conditions of 250 rural household′s credit.The results showed that the demands of rural household′s credit was higher,percentage of credit from informal credit was more significant than official financial institution and the capital of credit was mostly used in the non-agriculture production.The supply of capital mainly came from their relatives or friends.Rural household had certain susceptibility to loan interest rate,choosing mostly non-certain time and deferred payment,being short of an acquaintance about borrowings policy and regulation of rural credit cooperative.According to above conditions,some corresponding policy suggestion were put forward in this paper.

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