欠发达地区农户信贷需求分析

该文对欠发达地区农户需求从贷款目的、来源、风险收益等方面,结合农村传统文化、农户自身特点以及相关政策导向,进行了深入的分析,结果表明农村信贷需求没有得到充分的满足,农村借贷需求的特点是导致正规金融无法满足农户信贷供给的主要原因,应采用多元化手段,优化供给,促进农村金融进一步发展,满足农户信贷需求。

ANALYSIS OF THE FARMER CREDIT DEMAND IN LESS DEVELOPED AREA

Combined with the rural traditional culture, the characteristics of farmer household, and related policy, this paper studies the farmers` credit demand from the aspects such as loan purpose, source, risk-benefit, and so on. The result showed that the rural credit demands were not being fully fulfilled due to the characteristics of rural lending needs. this paper proposed that it should optimize supply by adopting diversified means for promoting the further development of rural finance and meeting household credit demand .