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当前位置: 首页 > 文章 > 再议农户信贷需求及其信贷可得性 农业经济问题 2018 (02) 38-49
Position: Home > Articles > Rethinking the Credit Demand and Availability of Farm Household Issues in Agricultural Economy 2018 (02) 38-49

再议农户信贷需求及其信贷可得性

作  者：
何广文;何婧;郭沛
单  位：
中国农业大学经济管理学院
关键词：
农户;信贷需求;信贷可得性;信贷配给
摘  要：
21世纪初以来,中国政府和金融部门推进普惠金融的力度不断强化,但是,农户的信贷需求及其满足情况如何?农户信贷可获得性怎么样?本文通过三省9县1730户农户家庭的调研数据,研究表明,农户信贷需求依旧旺盛,非正规信贷仍然是农户满足信贷需求的主要渠道,农户信贷配给仍较严重,抵押和担保仍然是农户获得正规信贷的主要方式,农户正规信贷可获得性仍然较低,同时,农户金融服务的自我排斥程度仍然较高。不同生产经营方式和收入层次的农户、小规模农户的信贷需求,都依旧比较旺盛。为了提升农户信贷可获得性,有必要从金融供给角度进一步放松市场准入管制、整合县域金融监管、实施有利于提升农户和小微企业的特殊性金融制度安排,并从需求侧进行结构调整。
译  名：
Rethinking the Credit Demand and Availability of Farm Household
作  者：
HE Guangwen;HE Jing;GUO Pei;
关键词：
Farm household;;Credit demand;;Availability of credit;;Credit rationing
摘  要：
Since the 21 st century,much progress from government and financial sector has been made to promote the financial inclusive in China. However,how are the farm household credit demand and their satisfaction? How is the credit availability for farm household? Exploiting data of 1730 farm households surveyed from 9 counties in three provinces,we find that the credit demand is still strong.We argue that the access to finance is mainly through informal finance. Thus,the credit rationing is severe. And the main channel through which farm households obtain formal credit is providing mortgage and guarantee,farmers formal credit availability is still low,at the same time,the degree of self exclusion for farm household is still high. The credit demand across different groups categorized by production mode,income and size remain high. To enhance the farm household credit availability,it is necessary,from the financial supply side,to loose the market participation regulation,integrate the county level financial supervisions,and make special arrangement for farm household and microenterprise,and to adjust the rural structure from the financial demand side.

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