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文章基于对山东省嘉祥县3个乡镇(卧龙山镇、大张楼镇、马村镇)小额信贷情况的农户调查数据,从需求视角出发,分析得出小额信贷需求的影响因素和贫困农户需求不足的原因。发现以扶贫为设计初衷的农村小额信贷项目实际参与对象已从中、低收入贫困户转向进行非农生产性经营的中等偏上收入户和高收入农户,并且生产性小额信贷资金多被农户用于消费性支出。最后,文章尝试提出了一些公益性小额信贷的新思路和新模式。
Based on the survey data of farmers in three townships (Wolong Town, Dazhang Lou Town and Macun Town) in Jiaxiang County of Shandong Province, the paper analyzes the influencing factors of demand for microcredit and the impoverished households Reasons for lack of demand. Found that the actual participants of the rural microfinance projects designed for poverty alleviation have shifted from low-income poor households to middle-high income households and high-income farmers engaged in non-agricultural productive management, and their productive microfinance funds are mostly subsidized by farmers For consumer spending. Finally, the article attempts to put forward some new ideas and new modes of public welfare micro-credit.