摘要
农户的储蓄目标相当明确———为了社会保障。民间借贷行为的形成与繁荣是正规金融组织弱化农村信贷服务功能的一种结果。民间借贷尽管以"亲情"和"友情"等两情借贷为主,借贷中"立字据"与"付息"比例也不占优,但不少付息的案例表明"高利贷"行为在农村比较普遍。更为值得注意的是在高利贷发展过程中,乡村干部和村级组织也参与进去了,已成为"高利贷"放贷者的主体。尽管农民在求贷的途径选择上优先选择"高利贷",主要原因是更看重其成功率。
The aim of peasant depositing is very clear-to gain social security The formation and boom of lendborrow action between individuals is the result that formal monetary institutions weaken its rural credit service functionMany cases show that highinterest credit is very common in rural area, though the lendborrow action among the people is mainly between friends or relatives and some of them make a note and pay interestDuring the development of highinterest credit, rural cadres and organizations also involve in it and become the main body, to which more attention should be paidPeasant give priority to the highinterest credit wainly because they are looking for the ratio of success in loaning money
出处
《湖北农学院学报》
2003年第3期196-200,216,共6页
Journal of Hubei Agricultural College
基金
国家自然科学基金资助项目(70141022)
