摘要
本文使用2006—2010年的宏观统计数据,对农户贷款规模、农户贷款供给机构和农户贷款效率进行分析发现,农户的信贷供给总体上有所改善,农户贷款总量、农户贷款在全国各项贷款中所占的比重和农户贷款与农村GDP的比率呈逐年上升的趋势;农村信用合作机构仍然是农户贷款的主力,邮政储蓄银行和中国农业银行贡献给农户的贷款比例不断增加;农村资金互助社农户贷款的比例很高但发展速度缓慢。对农户金融效率的分析发现,尽管农户贷款在总体上不断改善,但农户的金融抑制严重,农村金融体制改革仍需进一步深化。
This paper uses the macro-statistics from 2006 to 2010 to analyze the farmer's credit size,the farmer's credit supply structure and the farmer's credit efficiency. It finds that the farmer's credit supply is generally improved these years. The original rural credit cooperative system is still the main loan supplier,but the new mutual cooperative is the most honest farmer's credit supplier; although the general farmer's credit supply situation is relatively improved than before,the farmer's credit efficiency index,about 30%,shows the absolute credit supply to farmers is very low. Based on above findings,this paper gives some suggestions.
出处
《农业经济问题》
CSSCI
北大核心
2014年第1期49-54,110,共6页
Issues in Agricultural Economy
基金
农业部软科学项目"农民资金互助合作组织发育与风险防控问题研究"(编号:Z201320)
国务院研究室课题"中国农村资金互助合作组织的现状
问题及对策"
