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农户借贷需求是农村金融服务的重要组成部分,发展我国农村金融体系,必须首先认识当前农户借贷行为的基本特征以及影响因素。我国东西部之间经济发展不平衡,农户所处经济环境以及自身掌握资源存在差异,使不同地区农村金融呈现不平衡、多样化、阶段性的特征。本文选取了西安市周边农村地区与济南长清区这两个东西部大城市的城郊地区,在2012年3月和8月进行调研,走访了西安地区65个农户,济南地区125个农户。现将两地调研结果做出对比分析,剖析目前两地农户在资金借贷特征方面存在的差异。
The demand of rural households for loans is an important part of rural financial services. To develop China’s rural financial system, we must first understand the basic characteristics and influencing factors of rural households’ borrowing behavior. The unbalanced economic development between the eastern and western parts of our country and the differences in the economic environment in which the rural households live and the resources they hold themselves make the rural finance in different regions an imbalanced, diversified and phased characteristic. This paper selects suburban areas in the two eastern and western big cities in rural areas around Xi’an City and Changqing District in Jinan City. In March and August 2012, we surveyed 65 farmers in Xi’an and 125 farmers in Jinan. The findings of the two places are now made a comparative analysis of the current analysis of peasant households in the two characteristics of the differences in the lending.