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中国农户家庭资产负债表与农村普惠金融建设

FARMER HOUSEHOLDS’ BALANCE SHEET AND RURAL INCLUSIVE FINANCIAL SYSTEM BUILDING IN CHINA

农村金融 研究 中国

2017-02-01

978-7-5161-9282-5

291

80

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内容简介

农村普惠金融的供给侧改革须以对需求特征的准确把握为前提。农户家庭资产负债表以金融机构的视角反映了农户家庭生产和生活的财务状况,将借贷双方放在同一个逻辑框架内,有助于加深对农村金融的供需关系以及基本运行规律的理解。本报告使用农业部“全国农村固定观察点调查系统”2009年至2013年2万多农户的调查数据,测算了不同收入组农户以及借款户与非借款户的家庭资产负债状况,通过对家庭资产结构、资产负债率、收入偿债率、储蓄率、家庭外投资构成、家庭信用资产价值及其影响、借款来源与用途结构等方面的分析,解释了农村普惠金融的特点、发展障碍以及建设的基本路径和方向。

Supply-side reform of rural inclusive finance must be premised on an accurate grasp of the characteristics of demand. The balance sheet of rural households reflects the financial situation of production and life of rural households from the perspective of financial institutions, and puts both borrowers and lenders in the same logical framework, which helps to deepen the understanding of the relationship between supply and demand as well as the basic operating rules of rural finance. This report uses the survey data of more than 20,000 farm households from 2009 to 2013 from the National Rural Fixed Observation Point Survey System of the Ministry of Agriculture to measure the asset-liability status of farm households in different income groups, as well as borrowing and non-borrowing households, and analyses the structure of household assets, the asset-liability ratio, the income-servicing ratio, the savings rate, the composition of household outward investment, the value of household credit assets, and their impact on the financial situation of rural finance. Through analyses of the structure of household assets, the income and debt servicing ratio, the savings rate, household outward investment, the value of household credit assets and their impact, and the structure of borrowing sources and uses, the characteristics of rural inclusive finance, obstacles to its development, and the basic path and direction of its construction are explained.

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