摘要
以西部地区两个农村社区作为案例调查对象,试图了解西部地区农户金融需求与农村金融供给的一般状况。两村调研结果表明,农户金融需求非常强烈,而农村正规金融供给存在区域差异性,资金有限,品种单一,不能充分满足广大农户的资金需求。在这种情况下,农户从非正规金融途径的融资活动就非常普遍。从用途上讲,正规金融贷款主要用于农户生产性投入,农户的生活性支出主要依靠非正规金融供给,即私人信贷。
This paper gives a common explanation If farmer＇s financial demand and rural finance supply in Westem China based on a survey on two villages in West Area. The case study shows that farmer＇s financial demand is very violent while regular financial supply cannot thoroughly fit up financial demand because of the regional diversity, capital scarcity, and few varieties. It is very common for farmers to finance from irregular financial channel. Regular finance is mainly put into farmer＇s industrial investment while farmer＇s daily output is mainly supplied by irregular finance, such as private credit.
出处
《中国农学通报》
CSCD
2005年第9期421-425,共5页
Chinese Agricultural Science Bulletin
基金
国际泥沙研究中心课题"吴旗县社会经济发展战略研究"(2005-01-10)资助
