發(fā)布時間：2018-05-28 13:14

  本文選題：正規(guī)信貸需求 + 資本擁有量　； 參考：《上海經(jīng)濟研究》2017年03期

【摘要】：該文基于我國724個蘋果種植專業(yè)戶調研數(shù)據(jù),分析了不同資本擁有量的專業(yè)化農(nóng)戶正規(guī)信貸需求行為特征及規(guī)律。研究發(fā)現(xiàn):(1)存量資本高,而家庭負擔重和生產(chǎn)能力弱的專業(yè)化農(nóng)戶正規(guī)信貸需求強烈。存量資本和流量資本高、生產(chǎn)能力強的專業(yè)化農(nóng)戶更易獲得正規(guī)信貸;(2)隨著資本擁有量的積累,專業(yè)化農(nóng)戶信貸需求呈額度大、期限長、借貸資金更傾向用于擴大生產(chǎn)的特征;(4)具有高資本擁有量的專業(yè)化農(nóng)戶對于大額的生產(chǎn)性信貸需求強烈,體現(xiàn)了規(guī)�；膶I(yè)化農(nóng)戶信貸的"發(fā)展型需求",但受到授信額度限制。在此基礎上,該文提出了對策建議。
[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.
【作者單位】： 西北農(nóng)林科技大學經(jīng)濟管理學院;
【分類號】：F832.479;F323.6
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本文編號：1946855