主流观点认为,我国经济不发达地区的农户借贷依赖于民间借贷,但是在对陕西省千阳县农户借贷行为进行实地调研后,得出结果表明,该地区农户对资金的需求主要是来自正规金融渠道,是从农村信用社获得资金支持。通过对比分析农户从农信社借贷与亲友借贷的行为,发现影响农户从农信社借贷的不利因素,以寻求从农村信用社和政府两方面来解决农户融资问题。
It is the mainstream view that farmers in underdeveloped regions of China depends on the private lending borrowing,but research about rural households borrowing behavior in Qianyang County of Shaanxi Province shows that the farmers in this region mainly borrow funds from the formal financial channels—the rural credit cooperatives.Through a comparative analysis on the factors that influence farmers borrowing from the rural credit cooperatives or friends,we find the unfavorable factors influencing loans from the rural credit cooperatives.This finding is helpful to solve the problems of financing farmers.