期刊论文

中文

当代经济管理

1673-0461

2014

36

3

38-42

10.13253/j.cnki.ddjjgl.2014.03.007

国家社会科学基金项目《基于农村金融增量改革的农户融资约束缓解研究》（13BJY097）；

本校为第一机构

在发展中国家的农村地区,农户受到融资约束的现象相当普遍,成为妨碍经济增长和农民生活水平提高的关键因素.文章从农户融资作用、农户融资特征、农户融资约束现状、农户融资约束形成原因、缓解农户融资约束的对策以及农村金融增量改革等方面综述了国内外学者关于农户融资约束问题研究的最新动态.对于在工业化、城镇化、信息化及农业现代化背景下,我国农户融资需求的特点、融资需求满足情况、面临的融资约束现状、当前我国增量金融机构在缓解农户融资约束和农户融资难问题方面的效果如何,影响效果发挥的因素又有哪些等这些方面的研究还比较欠缺,值得我们深入研究.

In the rural areas of developing countries,it is a quite common phenomenon that the farmers face up with the financing constraints, which has become a key factor hindering the economic growth and the living standards upgrade of the farmers. Focusing on relevant aspects,such as,the functions of financing,the characteristics of financing,the present situation of financing constraints,the causes of financing constraints,the countermeasures of easing farmers financing constraints and the reform of the rural financial incremental,this paper summarized the new the developments of both domestic and o...