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由于存在严重的市场信息不对称,以及具有自然与市场风险、经营规模过小、产业组织不健全等问题,农村面临严重的融资约束,成为制约发展中国家农业产业发展的世界性难题。对浙江省农户融资约束情况的调查发现,农户存在资金短缺的困扰,而正规金融机构又无法充分利用闲置资金,造成农村正规金融机构存在严重的信贷配给现象。
Due to the serious market information asymmetry, as well as the problems of natural and market risks, small scale of operation and unsound industrial organization, rural areas are faced with serious financing constraints and become a worldwide problem that restricts the development of agricultural industries in developing countries. A survey of farmers’ financing constraints in Zhejiang Province found that peasant households were plagued by shortage of funds and formal financial institutions were unable to make full use of idle funds, causing serious credit rationing in rural formal financial institutions.