摘要
高利贷问题是农村金融改革中不可忽视的问题之一。从研究农户意愿的角度入手,希望从总体上把握农户对高利贷的真实态度和意愿,从而了解高利贷在农村的需求状况。根据调查和计量检验发现,调查地区大多数农户对高利贷持肯定态度,认为高利贷有存在的必要,并且表示在一定条件下会选择借高利贷。调查同时发现,有没有借过高利贷对农户是否会选择借高利贷有重要的影响。
Usury is one of important problems in rural financial reform. Unlike the former research on the usury that used the qualitative description, this paper starts with the survey on the wills of peasants so as to understand the real attitudes and wills of peasants towards usury on the whole, and then learn the demands of usury in rural area. According to the inquiry and statistic analysis, most peasants in the inquired areas hold the positive attitude toward the usury and think it necessary. Besides, they are liable to choose the usury in some eases. Meanwhile, it is concluded from the survey that whether the peasants have borrowed usury exerts an important impact on their option of borrowing usury.
出处
《西安石油大学学报（社会科学版）》
2007年第2期17-22,共6页
Journal of Xi’an Shiyou University:Social Science Edition
基金
陕西省2004年软科学研究计划项目<陕西省农村信用合作社改革目标模式研究>(项目编号:200404RK73)的阶段性成果
关键词
高利贷
农户
意愿
经验研究
usury
peasants
will
empirical research
