河北省农村小额信贷需求问题研究–以河北省南皮县为例摘要：农村小额信贷作为一种特殊的信贷方式，为农村扶贫和农村经济建设发挥了重要作用。我国农村小额信贷具有规模小、成本高、无抵押等特点，项目收益不高、风险大，小额信贷机构的可持续性较差，小额信贷发展难以形成规模。建立完善的农村小额信贷服务体系，为农村小额信贷的发展营造一个有利的发展环境，以市场化的方式促进小额信贷的发展，是目前我国农村金融领域亟待解决的问题。河北省南皮县是一个传统的农业县，农业基础薄弱，农民增收缓慢，农村相对落后问题还很突出。河北省南皮县的小额信贷经过多年的持续发展，取得了一定成绩，但是随着小额信贷的不断开展，一些新的缺陷也出现在了人们的面前，小额信贷机构的前景不容乐观。因此，如何使河北省南皮县的小额信贷保持生命力，继续为推动农村经济发展发挥出它所应用的作用，是个值得研究的课题。本文通过对河北省南皮县农村小额信贷需求现状、面临的困境分析，提出进一步推进河北省南皮县农村小额信贷可持续发展的有效举措。关键词：农村小额信贷；信贷方式；农村资金市场ResearchonthedemandofRuralMicrocreditinHebeiProvince1-takeNanpiCounty,HebeiProvinceasanexampleAbstract:asaspecialwayofcredit,ruralmicrocreditplaysanimportantroleinruralpovertyalleviationandruraleconomicconstruction.Ruralmicro-creditinChinahasthecharacteristicsofsmallscale,highcost,unsecuredandsoon.Theprojectincomeisnothigh,theriskislarge,thesustainabilityofmicro-creditinstitutionsispoor,andthedevelopmentofmicro-creditisdifficulttoformscale.Toestablishaperfectruralmicrocreditservicesystemtocreateafavorableenvironmentforthedevelopmentofruralmicrocreditandtopromotethedevelopmentofmicrocreditinamarket-orientedwayisanurgentproblemtobesolvedintheruralfinancialfieldofourcountryatpresent.NanpiCounty,HebeiProvinceisatraditionalagriculturalcounty,agriculturalfoundationWeak,farmersslowlyincreaseincome,ruralrelativelybackwardproblemisstillveryprominent.NanpiCounty,HebeiProvince,afteryearsofsustaineddevelopment,hasmadesomeachievements,butwiththecontinuousdevelopmentofmicro-credit,somenewdefectsalsoappearinfrontofpeople,theprospectsofmicro-creditinstitutionsarenotoptimistic.Therefore,howtomaintainthevitalityofmicro-creditinNanpiCounty,HebeiProvince,andcontinuetoplayitsroleinpromotingthedevelopmentofruraleconomyisasubjectworthyofstudy.Basedontheanalysisofthecurrentsituation2andpredicamentofruralmicrofinancedemandinNanpiCounty,HebeiProvince,thispaperproposestofurtherpromoteruralmicrofinanceinNanpiCounty,HebeiProvince.Effectivemeasuresforsustainabledevelopmentofloans.Keywords:ruralmicro-credit;creditmode;ruralcapitalmarket3目录1引言...............................................12农村小额信贷的相关理论.............................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..................44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..........................544.3市场定位模糊，贷款结构不合理......................64.4监管...
