农户融资约束后果探析.doc

农户融资约束的后果分析 　　[摘 要] 农户融资难一直是中国农村经济发展的重要问题。通过农户融资用途，融资约束现状和后果分析，首先，农户融资约束对农户生产生活的影响：抑制农户消费能力、农户难以抓住投资机会以致生产效率提高受到影响、扩大农户间的贫富差距；其次，农户融资约束对农村金融发展的影响：给农村非正规金融发展留下了较大空间、导致农村高利贷的产生和发展；最后，农户融资约束对农村经济发展的影响：生产规模难以扩大，农业生产效率难以提高、影响农村产业结构优化升级，提出了政府应该加强农村普惠金融建设和深化农村地区金融增量改革，引领民间金融正规化的对策建议 [关键词] 农户融资；融资约束；农村金融；后果分析；对策建议 [中图分类号] F83 [文献标识码] A Consequences Analysis of Farmers Financing Constraints LIAO Qiaoqian， LI Mingxian Abstract： Farmers financing difficulty has been an important problem in China’s rural economic development. This study discusses the purpose of farmers financing， present situation of financing constraints and consequences analysis. Firstly， farmers financing constraints effect on production and living. They restrain the consuming ability. Farmers are difficult to seize the investment opportunities so that they will affect production efficiency. And they enlarge the gap between rich and poor of farmers. Secondly， farmers financing constraints influence on rural finance development. They leave a large space for rural informal financial development and produce and develop the rural usury. Finally， farmers financing constraints impact on rural economic development. The scale of production is difficult to expand and production efficiency is difficult to improve. And they influence on the optimization of rural industrial structure. The government should strengthen the construction of rural inclusive finance， deepen the reform of rural financial increment， and lead the regularization of the folk finance. Key words： farmers financing， financing constraints， rural finance， consequences analysis， countermeasures and suggestions 我国是农业大国，三农问题始终是我国经济和社会发展的重大问题。作为现代经济的核心，农村金融对推动农村经济发展及增加农民收入起着重要作用。虽然我国一直在努力改革和完善农村金融体系，加强普惠金融建设，推动农村经济发展，然而农户融资约束的状况并没有从根本上得到有效改善，农户融资难的困扰也始终存在。农户融资约束，是指农户个体因为缺乏足够的自有资本，在进行经济活动的过程中，通过正规金融途径进行融资时所受到的摩擦。本文在描述农户融资约束现状的基础上，分别从微观和宏观两个角度出发，对农户融资约束的后果进行分析，并提出缓解农户融资约束的相关建议 一、农户融资的用途及融资约束现状 国内学者的研究显示，生产性用途和生活性用途是农户融资的主要用途。生产性用途包括购