不同体制下农户金融需求差异及影响因素分析——基于新疆地方农户和兵团农场职工的调查

发布时间：2018-08-10 20:17

【摘要】：分析农户的金融需求行为及其影响因素对于深化农村金融改革、提高农村金融服务水平和促进农村经济的增长具有重要作用。本研究对比分析了新疆地方和兵团农户(职工)金融需求行为,结论为:地方农户和兵团职工在储蓄目的、金融供给主体的选择、信贷资金规模、民间借贷动机、信贷的可得性,农业保险满意度等方面存在较大差异;家庭特征、生产经营特征、收入情况是影响地方农户金融需求的主要因素,而兵团农户金融需求主要受农村金融供给市场特征影响。据此,研究认为地方金融机构应创新担保方式、拓宽金融服务的渠道、加快合会等新型金融组织机构建设;而兵团金融机构应加强信用体系建设、加大人才引进力度、提升金融服务的自身吸引力。
[Abstract]:The analysis of farmers' financial demand behavior and its influencing factors plays an important role in deepening the reform of rural finance, improving the level of rural financial services and promoting the growth of rural economy. This study compares and analyzes the financial demand behavior of local and bingtuan farmers (workers) in Xinjiang. The conclusions are as follows: the purpose of saving, the choice of financial supply main body, the scale of credit fund, the motive of folk borrowing and borrowing. There are great differences in the availability of credit, the satisfaction of agricultural insurance, and so on, the family characteristics, the characteristics of production and management, the income situation are the main factors that affect the financial needs of local farmers. And bingtuan peasant household financial demand is mainly affected by the characteristics of rural financial supply market. On the basis of this, it is believed that local financial institutions should innovate the way of guarantee, widen the channels of financial services, speed up the construction of new types of financial organizations, such as the association, and strengthen the construction of credit system and the introduction of talents in the financial institutions of Bingtuan. Enhance the attractiveness of financial services.
【作者单位】：石河子大学商学院;
【基金】：新疆生产建设兵团社会科学基金(编号:11BTYB07) 石河子大学兵团金融发展研究中心项目(编号:BTJR201305)
【分类号】：F324.1;F832.7

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