贫困农户收支结构、收入水平与信贷活动趋向研究
发布时间：2018-08-14 19:28
【摘要】：论文基于CFPS数据中2742户贫困农户的研究样本,剖析贫困农户收支结构变化、资金流动特点和不同收入水平农户信贷活动的趋势。研究结果表明:农户收入和支出情况可以反映农户在贫困农村的阶层属性,也可体现他们不同的生产方式、生活状态及信贷活动。传统消费性信贷需求仍是信贷需求的构成主体,贫困农户收入水平对获批贷款机率、户均贷款金额以及贷款用途存在明显影响。应根据不同收支水平农户信贷需求特点,选择多样化的金融服务机构和设计结构、额度、期限与抵押条件更为合理的信贷产品。
[Abstract]:Based on the research samples of 2742 poor farmers in CFPS data, this paper analyzes the changes of income and expenditure structure of poor farmers, the characteristics of capital flow and the trend of farmers' credit activities at different income levels. The results show that the income and expenditure of farmers can reflect the social stratum attributes of farmers in poor rural areas, but also reflect their different modes of production, living conditions and credit activities. The traditional consumer credit demand is still the main part of the credit demand, and the income level of the poor farmers has a significant impact on the probability of loan approval, the amount of loans per household and the use of loans. According to the characteristics of farmers' credit demand at different income and expenditure levels, we should choose the more reasonable credit products with diversified financial service institutions and design structures, quotas, duration and mortgage conditions.
【作者单位】： 宝鸡文理学院;
【基金】：陕西省社会科学基金项目《陕西省贫困地区金融减贫效应与发展模式研究》(2015D004) 教育部人文社会科学基地重大项目《西北资源开发生态补偿金融支持政策体系研究》(12JJD790020);教育部人文社会科学青年基金项目《贫困地区农村金融减贫效应及作用机理研究》(17XJC790007)的阶段性研究成果
【分类号】：F323.8;F832.4
，
本文编号：2183895
[Abstract]:Based on the research samples of 2742 poor farmers in CFPS data, this paper analyzes the changes of income and expenditure structure of poor farmers, the characteristics of capital flow and the trend of farmers' credit activities at different income levels. The results show that the income and expenditure of farmers can reflect the social stratum attributes of farmers in poor rural areas, but also reflect their different modes of production, living conditions and credit activities. The traditional consumer credit demand is still the main part of the credit demand, and the income level of the poor farmers has a significant impact on the probability of loan approval, the amount of loans per household and the use of loans. According to the characteristics of farmers' credit demand at different income and expenditure levels, we should choose the more reasonable credit products with diversified financial service institutions and design structures, quotas, duration and mortgage conditions.
【作者单位】： 宝鸡文理学院;
【基金】：陕西省社会科学基金项目《陕西省贫困地区金融减贫效应与发展模式研究》(2015D004) 教育部人文社会科学基地重大项目《西北资源开发生态补偿金融支持政策体系研究》(12JJD790020);教育部人文社会科学青年基金项目《贫困地区农村金融减贫效应及作用机理研究》(17XJC790007)的阶段性研究成果
【分类号】：F323.8;F832.4
，
本文编号：2183895
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