分水岭地区农户借贷行为的调查分析

本文从农户借贷的需求角度进行分析，然后结合农村金融的供求矛盾问题展开论述，通过结合江淮分水岭地区1000个农户的实际抽查数据进行对比和分析，发现其民间借贷在农户中所占据的比重在逐步的上升，发现农户在借贷用途方面所采用的是非生产性的实际用途和方式，通过抽样调查的数据中发现，民间借贷的过程中其所占据的比重在逐步的上升，其借贷的用途主要用作非生产用途。本文则结合促进农区农村金融的健康发展而提出相应的解决对策。
关键词：江淮分水岭地区；农户借贷；调查；分析

Investigation and Analysis of Farmers' Loan Behavior in Watershed Region of Jianghuai

Abstract: This paper analyzes the demand of farmers' borrowing and borrowing, then discusses the contradiction between supply and demand of rural finance, and compares and analyses the actual sampling data of 1000 farmers in the watershed of the Jianghuai watershed, and finds out that the proportion of the private lending in the farmers is gradually rising, and the farmers are found to be in the rural areas. The use of lending uses non productive practical uses and methods. Through sampling survey data, it is found that the proportion of private lending is increasing gradually, and its use is mainly used for non productive use. This paper puts forward the corresponding countermeasures in the light of promoting the healthy development of rural finance in rural areas.
Key words: Jianghuai watershed area; farmers' borrowing and lending; investigation; analysis
引言 2
一、我国农村金融供求现状分析 2
（一）农村金融供需现状 2
（二）农村金融供求总量失衡 3
二、江淮分水岭地区农户借贷行为的调查分析 4
（一）资料来源及说明 4
（二）调查对象的基本情况 4
1、调查对象的文化程度 4
2、调查对象的家庭经济情况 5
（三）调查数据及农户借贷行为分析 5
1、农户的借贷规模分析 5
2、农户的借贷渠道分析 6
3、农户的借贷用途分析 8
4、农户的融资偏好 8
三、基于传统农区农户借贷行为的政策建议 9
（一）国家政策层面 9
（二）金融机构层面 12
（三）农户自身层面 13
总结 14
参考文献 14

*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】