【摘要】：論文基于CFPS數(shù)據(jù)中2742戶貧困農(nóng)戶的研究樣本,剖析貧困農(nóng)戶收支結(jié)構(gòu)變化、資金流動(dòng)特點(diǎn)和不同收入水平農(nóng)戶信貸活動(dòng)的趨勢(shì)。研究結(jié)果表明:農(nóng)戶收入和支出情況可以反映農(nóng)戶在貧困農(nóng)村的階層屬性,也可體現(xiàn)他們不同的生產(chǎn)方式、生活狀態(tài)及信貸活動(dòng)。傳統(tǒng)消費(fèi)性信貸需求仍是信貸需求的構(gòu)成主體,貧困農(nóng)戶收入水平對(duì)獲批貸款機(jī)率、戶均貸款金額以及貸款用途存在明顯影響。應(yīng)根據(jù)不同收支水平農(nóng)戶信貸需求特點(diǎn),選擇多樣化的金融服務(wù)機(jī)構(gòu)和設(shè)計(jì)結(jié)構(gòu)、額度、期限與抵押條件更為合理的信貸產(chǎn)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.
【作者單位】： 寶雞文理學(xué)院;
【基金】：陜西省社會(huì)科學(xué)基金項(xiàng)目《陜西省貧困地區(qū)金融減貧效應(yīng)與發(fā)展模式研究》(2015D004) 教育部人文社會(huì)科學(xué)基地重大項(xiàng)目《西北資源開發(fā)生態(tài)補(bǔ)償金融支持政策體系研究》(12JJD790020);教育部人文社會(huì)科學(xué)青年基金項(xiàng)目《貧困地區(qū)農(nóng)村金融減貧效應(yīng)及作用機(jī)理研究》(17XJC790007)的階段性研究成果
【分類號(hào)】：F323.8;F832.4
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本文編號(hào)：2183895