【摘要】：本文以江西省78個(gè)縣(市)910個(gè)農(nóng)戶為樣本,對(duì)農(nóng)戶參與兩權(quán)抵押貸款的意愿和訴求進(jìn)行調(diào)查分析。結(jié)果表明,超六成農(nóng)戶表示有參與意愿,四類人群意愿明顯偏高。在有意愿的農(nóng)戶中,農(nóng)戶對(duì)貸款方式、利率、額度以及扶持政策等訴求較強(qiáng)。農(nóng)戶參與兩權(quán)抵押貸款也面臨不少制約�？傮w來看,推動(dòng)兩權(quán)抵押貸款業(yè)務(wù)發(fā)展,不能忽視需求端問題,應(yīng)加快完善保障措施,激發(fā)農(nóng)戶借貸意愿,切實(shí)滿足農(nóng)戶各種層次、不同特點(diǎn)的資金需求。
[Abstract]:Based on 910 farmers in 78 counties (cities) of Jiangxi Province, this paper investigates and analyzes the willingness and demand of farmers to participate in the mortgage loan with two rights. The results show that more than 60% of farmers have the willingness to participate, and the four groups of people have higher willingness to participate. Among the willing farmers, farmers have a strong demand for loan mode, interest rate, quota and support policy. Farmers to participate in the two-right mortgage loans are also faced with many constraints. In general, the demand-side problem can not be ignored to promote the development of two-right mortgage loan business. We should speed up the improvement of the safeguard measures, stimulate the farmers' willingness to borrow, and meet the various levels and different characteristics of the farmers' capital demand.
【作者單位】： 中國人民銀行南昌中心支行調(diào)查統(tǒng)計(jì)處;
【分類號(hào)】：F832.43

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本文編號(hào)：2424070