河北省农村小额信贷需求的问题研究摘要：我国的农村地区由于其特殊的现实情况，其信贷业务也具有独特的特点。现阶段，我国的农村小额贷款的特点主要有以下几个方面：农村信贷业务规模相对较小、业务成本相对较高、不具备良好的可持续发展性等，由于这诸多限制使得农村小额信贷业务的发展规模无法更好的扩大。作为以传统的农业耕作为主要经济来源的县城，河北省南皮县的经济特点是经济基础差、发展慢以及人们对小额贷款认识不足，这些缺陷不断阻碍着当地的小额信贷业务的可持续发展。本文通过研究河北省南皮县所具备的特点，结合当地经济特色及现阶段当地的农村小额信贷需求所面临的困境提出了一系列的解决方案，从而为相应业务的发展提供行之有效的措施。关键词：农村小额信贷；信贷需求；资金市场ResearchonthedemandofRuralMicrocreditinHebeiProvince-takeNanpiCounty,HebeiProvinceasanexample.Abstract：Duetoitsspecialreality,thecreditbusinessofruralareasinChinaalsohasitsuniquecharacteristics.Atthepresentstage,thecharacteristicsofruralmicrofinanceinChinaareasfollows:thescaleofruralcreditbusinessisrelativelysmall,thecostofbusinessisrelativelyhigh,anditdoesnothavegoodsustainability,etc.Duetotheserestrictions,thedevelopmentscaleofruralmicrofinancebusinesscannotbebetterexpanded.Asacountywithtraditionalagricultureasthemaineconomicsource,theeconomiccharacteristicsofnanpicountyinhebeiprovincearepooreconomicfoundation,slowdevelopmentandpeople'sinsufficientunderstandingofmicro-credit,whichconstantlyhinderthesustainabledevelopmentoflocalmicro-creditbusiness.Bystudyingthecharacteristicsofnanpicountyinhebeiprovince,thispaperputsforwardaseriesofsolutionsbasedonthelocaleconomiccharacteristicsandthecurrentdifficultiesfacedbythelocalruralmicrofinancedemand,soastoprovideeffectivemeasuresforthedevelopmentofthecorrespondingPAGE\*MERGEFORMAT4business.Keywords：Ruralmicro-credit;Creditdemand;LendingmarketPAGE\*MERGEFORMAT4目录1引言................................................................................................12.文献综述与本文视角...................................................................13.数据来源与统计分析..................................................................23.1数据背景与来源.........................................................................23.1.1数据背景............................................................................23.1.2数据来源............................................................................23.2样本农户基本情况...............................................................23.3对调查情况的统计分析.......................................................33.3.1农民对“小额贷款”的认识和态度................................33.3.2借贷意愿和贷款需求额度的分析....................................33.3.3贷款利率和贷款期限的分析............................................33.3.4贷款资金的用途的分析....................................................43.3.5小额信贷多种发展模式分析............................................4PAGE\*MERGEFORMAT44河北省南皮县农村小额信贷发展中存在的问题与成因...........54.1信贷资金供给不足...............................................................54.2正规金融市场农户参与度低...............................................54.3市场定位模糊，贷款结构不合理.......................................64.4监管模式保障制度不完善...................................................64.5小额信贷利率水平偏低.......................................................65进一步推进河北省南...
