发展农村消费信贷问题

发展农村消费信贷问题

The association study of consumer credit

development in rural areas

摘要

消费、投资和出口是拉动经济增长的“三驾马车”，过度依靠投资将会导致资源的浪费，造成环境污染。而出口容易受到国际因素的影响,对经济增长的贡献波动较大，因此要保障我国经济健康稳健的增长，就需要依靠拉动内需来实现。但是我国最终消费对GDP的贡献并不高，这主要是因为居民消费率偏低，特别是农村居民消费率偏低造成的,而提升农村居民消费率的一个重要方法是发展农村消费信贷。我国目前农村消费信贷的状况是农村地区正规金融机构较少，农业生产性贷款是我国农村信贷发展的重点，农户满足其消费信贷需求的方式主要有两种：一是通过非正规金融渠道，二是将农业生产性贷款挪用于消费。通过本文研究，可以在理论上补充现有研究的不足，为政府发展农村消费信贷的提供政策依据，更好的促进我国农村经济发展。

关键词：消费信贷信贷用途制约因素

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The Association Study of Consumer Credit

Development in Rural Areas

Abstract

Consumption investment and exports are the "Troika" to promote economic growth, excessive dependence on investment will lead to waste of resources and pollute the environment. While exports are vulnerable to international factors, fluctuations on the contribution to economic growth, so to protect the healthy and steady growth of China's economy, you need to rely on stimulating domestic demand. But the final consumption rate didn't make more contribution to the GDP of China's because of the low rate of consumer, particularly the low rate of consumption of rural residents. An important method to improve rural residents' consumption rate is to develop the rural consumer credit. But China's rural consumer credit situation have two characteristics: there are few formal financial institutions in rural areas and agricultural production loans are the focus of development of China's rural credit, so farmers satisfy their the consumer credit demand by two ways: First, through non-formal financial channels, the second is the diversion of agricultural production loans to

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the consumer. The research in this paper can supplement the existing in theory of the insufficiency of the study, in practice helps to found out the rural consumer credit restrict the development of factors, and to the government about the development of rural consumer credit policy provides the basis, in order to promote the development of the rural economy in our country.

Key words: Consumer Credit Credit Uses Constraint Factors

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目录

摘要 ............................................................................................................................................ I Abstract ...................................................................................................................................... I I 1 前言.. (1)

1.1 本研究的目的与意义 (1)

1.2 国内外研究文献综述 (1)

1.3 本研究的主要内容 (3)

2 消费结构升级与农村消费信贷相关理论概述 (4)

2.1 农村生产性消费信贷的需求分析 (4)

2.2 农村生活性消费信贷的需求分析 (5)

2.3 农村经济增长过程中的消费信贷发展 (6)

3 发展农村消费信贷存在的问题 (7)

3.1 收入偏低与不稳制约农村消费信贷的增 (7)

3.2 低收入人口比例高限制了农村消费信贷受信的广度 (7)

3.3 惜贷与怕贷双重矛盾抑制了消费信贷的发展 (7)

3.4 农民消费观念陈旧影响消费信贷总额的增长 (8)

4 发展农村消费信贷的对策与措施 (8)

4.1 农村消费信贷的双层融资结构 (8)

4.2 金融机构要提高认识积极拓展农村消费信货业务 (9)

4.3 建立健全消费信贷法律法规 (9)

4.4 加快消费信贷创新大力发展消费信贷 (9)

5 结论 (9)

参考文献 (10)

致谢 ......................................................................................................... 错误！未定义书签。

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