【摘要】 本文利用福建农村信用社多年报表资料和访谈资料,分析农村信用社农户信贷变动趋势和影响因素。分析结果表明,农村信用社的资产选择、政策推动、信用制度建设、经营效率和信贷能力是影响农户信贷的主要因素,并提出增加农户信贷可得性的政策建议。更多还原

【Abstract】 By using the data from the financial statements and interviews on Fujian Rural Credit Co-operative Society(RCCS),the paper analyzes the trend of the credit actions of the rural households of RCCS and the affecting factors.The results show that the major factors affecting the credit actions of rural households are the asset options,policy encouragement,establishment of credit institution,operational efficiency and the credit capability of RCCS.The paper offers the alternatives to improve the availability of funding for the rural households更多还原