| 地方经济发展差距与农户资金需求——基于湖南省三类农村的调查 |
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| 引用本文： | 李金美.地方经济发展差距与农户资金需求——基于湖南省三类农村的调查[J].怀化学院学报,2007,26(3):50-52. |
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| 作者姓名： | 李金美 |
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| 作者单位： | 湖南信息职业技术学院,教务处,湖南,长沙,410200 |
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| 摘 要： | 通过对湖南省三类农村农户的问卷调查,我们发现即使在外部环境基本相同的地区,不同收入水平的农户也存在着不同的资金需求;小额的资金构成了农户资金现实需求的主体;农户收入水平与资金需求数量呈正相关关系,与借贷频率呈负相关关系。农户资金需求的分散性致使正规金融需提供多样化的金融供给安排,对不同类型的农户要区别对待,鼓励成立农户间互助性质的民间金融机构和农户信贷担保机构。
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| 关 键 词： | 农户 资金需求 金融供给 |
| 文章编号： | 1671-9743（2007）03-0050-03 |
| 修稿时间： | 2007-01-12 |
Regional Development Gap and Capital Demand of Farmer——Based on the Research of Three Types of Countries of Hunan Province |
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| LI Jin-mei.Regional Development Gap and Capital Demand of Farmer——Based on the Research of Three Types of Countries of Hunan Province[J].Journal of Huaihua University,2007,26(3):50-52. |
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| Authors: | LI Jin-mei |
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| Institution: | Hunan College of Information;Changsha;Hunan 410200 |
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| Abstract: | This paper researched three types of countries of Hunan province by questionnaire.We find that farmers with different income have different capital demand;small capital is the principal part of farmers' demand;the income level of farmers have the positive correlation with the capital demand and have the negative correlation with the frequency of borrowing.The dispersion of farmer's capital demand causes formal financial arrangements need to provide a variety of financial supply.We should distinguish different types of farmers to meet their demand and encourage the establishment of private financial institutions in the nature of mutual help among farmers and farmer's credit guarantee agency. |
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| Keywords: | farmer capital demand financial supply |
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