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本文基于畜牧业养殖户信贷约束的视角,运用吉林省18个村1 257户畜牧业养殖户的调查数据,对吉林省畜牧业受到的信贷约束程度展开实证研究。研究表明:吉林省畜牧业受到供给型、需求型等信贷约束,信贷约束程度与借款者收入水平呈显著负相关,养殖户的信贷需求主要依靠非正规渠道获得,已获得借款的养殖户仍存在超额信贷需求,据此试图从政府、金融机构和养殖户多维角度提出政策建议。
In this paper, based on the perspective of credit constraints of livestock farmers, using the survey data of 1 257 livestock farmers in 18 villages in Jilin Province, this study conducts an empirical study on the credit constraints on animal husbandry in Jilin Province. The research shows that the livestock husbandry in Jilin Province is constrained by supply and demand-type credit, the degree of credit constraint is negatively correlated with the income level of borrowers. The demand for farmers’ credit mainly relies on informal channels, and farmers who have obtained loans still exist Excess credit needs, thus trying to make policy recommendations from the multi-dimensional perspective of the government, financial institutions and farmers.