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西部民族地区农户借贷行为的实证分析——基于贵州C村的调查

发表时间:2008-05-15  浏览量:1581  下载量:665
全部作者: 张米良,李志欣,杨灵,邵飞华,黎小玲,刘晓均,史佳洪
作者单位: 贵州财经学院国际经济学院
摘 要: 本文运用实证研究方法,通过实地调查的形式来考察农户的资金借贷行为,借以反映西部民族地区农村金融环境的现状、特征及问题的全貌,并指出相应问题存在的原因。文中对贵州C村的正规金融机构与非正规金融机构做了横向比较,又从借贷行为的微观层次分别对其进行纵向比较,说明了非正规金融机构存在的必要性和现实依据,真实地再现了两种不同类型金融机构在支持农村金融方面各自的优势和不足,理性地审视了正规金融机构与非正规金融机构在当前农业农村经济中具有的效应。最后提出了相应的对策建议,为当前西部地区农村金融的改革和发展提供借鉴和参考。
关 键 词: 家庭经济学;农户借贷行为;实证分析;西部民族地区
Title: Analysis on rural household crediting behavior in western minority areas based on the investigation of the village C of Guizhou
Author: ZHANG Miliang, LI Zhixin, YANG Ling, SHAO Feihua,LI Xiaoling, LIU Xiaojun, SHI Jiahong
Organization: School of International Economics, Guizhou College of Finance and Economics
Abstract: Through the use of empirical research methods and in the form of field surveys to study the farmers of borrowing funds, this paper has reflected the whole picture of the status of the rural financial environment, characteristics and problems in west minority areas and pointed out the reasons for the problem. The article does the horizontal and longitudinal comparison of formal financial institutions and non-formal financial institutions in the village C of Guizhou. Explains existence�s necessities and the reality basis of the non-regular financial institution, reappears respective strengths and shortcomings of the two different types of financial institutions in support of the rural financial aspects, rationally carefully examins the regular financial organ with the non-regular financial organ which have effect on the current agriculture rural economy.Finally, the author also proposes the corresponding countermeasure in order that provides suggestions for the reform of current rural western areas finance and the development uses for reference and refers.
Key words: household economics;rural household crediting behavior;positive analysis;western minority areas
发表期数: 2008年9月第9期
引用格式: 张米良,李志欣,杨灵,等. 西部民族地区农户借贷行为的实证分析——基于贵州C村的调查[J]. 中国科技论文在线精品论文,2008,1(9):1106-1112.
 
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