CAJ | 학술논문

本文通过对湖北省天门市农户基本金融行为与融资需求的实证研究表明：（1）农户的基本金融行为与信贷需求之间尚没有建立应有的联系，农户对资金的需求不足，少量的小额度贷款主要由私人借贷满足；（2）农户的信用意识十分强烈，但信用表现却不容乐观，金融参与意识较弱，对现行的融资制度缺乏认知和利用的兴趣；（3）影响农户的融资意愿和实际的贷款数量的因素有：耕地面积、经济活动类型、年龄和文化程度，其中耕地面积、经济活动类型的影响力最大。以上研究结果折射出农户对融资制度的需求指向是：正式融资制度是满足农户融资需求最重要的制度安排；消费信贷制度是农户需求的主体；农户需要市场化的融资制度。
본문통과대호북성천문시농호기본금융행위여융자수구적실증연구표명：（1）농호적기본금융행위여신대수구지간상몰유건립응유적련계，농호대자금적수구불족，소량적소액도대관주요유사인차대만족；（2）농호적신용의식십분강렬，단신용표현각불용악관，금융삼여의식교약，대현행적융자제도결핍인지화이용적흥취；（3）영향농호적융자의원화실제적대관수량적인소유：경지면적、경제활동류형、년령화문화정도，기중경지면적、경제활동류형적영향력최대。이상연구결과절사출농호대융자제도적수구지향시：정식융자제도시만족농호융자수구최중요적제도안배；소비신대제도시농호수구적주체；농호수요시장화적융자제도。
The results of empirical analysis on Rural households＇ basic financing behaviors and demand in Tianmen city, Hubei province are as follows ：（ 1 ） It doesn＇ t exist relationship between rural households＇ basic financing behavior and demand, rural households＇ capital demand is insufficient and minor loans mainly come from private credit. （2）Rural households＇ credit consciousness is very strong but credit display is very barely, lacking consciousness of taking part in finance, lacking knowledge and interest of finance system in operation. （3） The factors that affect rural households＇ financing desire and borrowing are cultivated land, type of economy activities, age, and cultural level, and the most important factors are the two former. The results present that the requiring of the rural households＇ financing institutions are as follows ： formal financing institutions, consuming financing institutions and marking financing institutions are the most important for the rural households.