农村信用社在民族地区农村发展中的融资问题研究——基于在四川凉山彝族自治州的调研

以四川凉山州为例,运用调查数据,分析民族地区农村信用社的金融服务特征及存在的问题,通过计量经济学的方法分析农户面临的融资约束,通过对比的方法对农村信用社在民族贫困地区的融资问题进行分析。结果表明：民族地区与其他地区相比,农村信用社金融服务供给不足,农户面临更大的融资约束;农户有较强的借贷需求,但有明显的金融抑制。

Study on Financing Problem during the Development of Rural Credit Cooperatives in Minority Rural Areas

With Liangshan in Sichuan as an example,by using investigation data,the characteristics and problems of financial service in Rural Credit Cooperatives in minority area were analyzed.The financing constraints were analyzed with econometric method,and financing problems were analyzed by comparative analysis method.The results showed that in minority area,financial service supply of Rural Credit Cooperatives is inadequate,farmers face greater financing constraints;farmers have stronger lending requirements,but there is significant financial repression.