基于商业利益的农户民间借贷需求行为分析

发布时间：2018-04-28 20:05

本文选题：商业利益 + 农户经济　；参考：《商业经济研究》2017年04期

【摘要】：后危机时代,农户民间借贷需求呈持续膨胀特征,这在降低农户融资制度成本和给农户带来融资便利的同时,也增加农村金融系统风险并危及农村社会稳定。本文阐述农户民间借贷需求行为研究的商业价值;从社会学视角分析农户民间借贷需求行为,进行了基于商业利益的农村金融供给分析,并指出商业利益视角下民间借贷支撑系统的问题;最后给出鼓励正规金融系统发展普惠金融,规范非正规金融和健全支持系统以提升农户民间借贷效能等优化农户民间借贷行为的策略。
[Abstract]:In the post-crisis era, the demand for non-government loans of farmers continues to expand, which not only reduces the cost of farmers' financing system and brings financing convenience to farmers, but also increases the risk of rural financial system and endangers the stability of rural society. This paper expounds the commercial value of the research on peasant households' folk loan demand behavior, analyzes the peasant households' folk loan demand behavior from the perspective of sociology, and analyzes the rural financial supply based on the commercial interests. It also points out the problems of private lending support system from the perspective of commercial interests. Finally, it gives the encouragement to the formal financial system to develop inclusive finance. Regulating informal finance and improving the support system to improve the efficiency of farmers' private lending and other strategies to optimize farmers' private lending behavior.
【作者单位】：西安翻译学院商学院;
【基金】：陕西省教育厅专项项目:“资源诅咒”与陕北民间借贷发展及风险之关系研究(14JK2039)研究成果
【分类号】：F832.43

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