【摘要】：與成熟的城市金融體系相比,中國(guó)傳統(tǒng)型農(nóng)戶遵循生存經(jīng)濟(jì)邏輯和圈層差序社會(huì)交往格局,這也就決定了傳統(tǒng)型農(nóng)戶具有以下六個(gè)方面的信貸需求特征:嚴(yán)重的信息不對(duì)稱;缺乏可抵押物;特殊性成本與風(fēng)險(xiǎn);以非生產(chǎn)性信貸為主;以無息的熟人友情借貸為主;單筆貸款數(shù)額小,要求信貸手續(xù)靈活、簡(jiǎn)便、及時(shí)。要解決傳統(tǒng)型農(nóng)戶的融資困境,關(guān)鍵在于建立符合傳統(tǒng)型農(nóng)戶信貸需求特征的信貸供給安排,主要包括以下三個(gè)渠道:熟人親友無息借貸;民間非正式互助合作金融;官方或公益扶助性質(zhì)的政策性金融。
[Abstract]:Compared with the mature urban financial system, the traditional peasant households in China follow the economic logic of survival and the pattern of social communication in different order, which determines that the traditional farmers have the following six characteristics of credit demand: serious information asymmetry; Lack of collateral; particularity cost and risk; unproductive credit mainly; non-interest-free acquaintance friendship loan; single loan is small and requires flexible, simple and timely credit procedures. To solve the financing dilemma of traditional farmers, the key lies in the establishment of credit supply arrangements that meet the characteristics of traditional farmers' credit demand, including the following three channels: acquaintances, relatives and friends, non-interest loans, informal mutual and cooperative finance; Policy finance of an official or commonweal nature.
【作者單位】： 西北大學(xué)經(jīng)濟(jì)管理學(xué)院;
【基金】：國(guó)家哲學(xué)社會(huì)科學(xué)重大招標(biāo)項(xiàng)目“西部地區(qū)形成城鄉(xiāng)經(jīng)濟(jì)社會(huì)一體化新格局的戰(zhàn)略研究”(批準(zhǔn)號(hào):08&ZD027) 西北大學(xué)2010年研究生自主創(chuàng)新項(xiàng)目“傳統(tǒng)農(nóng)業(yè)區(qū)形成城鄉(xiāng)經(jīng)濟(jì)社會(huì)一體化新格局的路徑研究——以陜西關(guān)中為例”(批準(zhǔn)號(hào):10YZZ20)
【分類號(hào)】：F832.43

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