中国专业化农户的正规信贷需求分析

发布时间：2018-05-28 13:14

  本文选题：正规信贷需求 + 资本拥有量　； 参考：《上海经济研究》2017年03期

【摘要】：该文基于我国724个苹果种植专业户调研数据,分析了不同资本拥有量的专业化农户正规信贷需求行为特征及规律。研究发现:(1)存量资本高,而家庭负担重和生产能力弱的专业化农户正规信贷需求强烈。存量资本和流量资本高、生产能力强的专业化农户更易获得正规信贷;(2)随着资本拥有量的积累,专业化农户信贷需求呈额度大、期限长、借贷资金更倾向用于扩大生产的特征;(4)具有高资本拥有量的专业化农户对于大额的生产性信贷需求强烈,体现了规模化的专业化农户信贷的"发展型需求",但受到授信额度限制。在此基础上,该文提出了对策建议。
[Abstract]:Based on the investigation data of 724 specialized apple growers in China, this paper analyzes the characteristics and rules of formal credit demand of specialized farmers with different capital holdings. It is found that the formal credit demand of specialized farmers with high stock capital, heavy household burden and weak production capacity is strong. With the accumulation of capital, the credit demand of specialized farmers is large and the term is long. Lending funds are more likely to be used to expand production. (4) specialized farmers with high capital holdings have strong demand for large amounts of productive credit. It embodies the "developmental demand" of the large-scale specialized peasant household credit, but is limited by the credit line. On this basis, the paper puts forward countermeasures and suggestions.
【作者单位】： 西北农林科技大学经济管理学院;
【分类号】：F832.479;F323.6
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本文编号：1946855