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本文借鉴社会学的分层理论,按照家庭收入来源的不同,将浙江农户分为四个阶层,通过对不同阶层农户入户调查返回的样本数据进行分析,发现虽然农户对信贷资金的需求总量和额度在不断上升,并由农业生产性贷款向非农经营和消费性贷款转变,但不同阶层农户在借贷需求上的差异很大。
Drawing on the theory of stratification in sociology, this paper divides Zhejiang peasants into four strata according to the different sources of household income. By analyzing the sample data returned from household surveys of different strata, we find that although the total demand of credit funds And the quota is on the rise, and from agricultural productive loans to non-agricultural management and consumer loans change, but different classes of farmers in the demand for loans vary widely.