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本文在对极重灾区、重灾区和一般灾区的300份问卷的调研基础上,从农户的视角出发,通过建立信贷政策实施效果的评估体系,以此来分析灾后重建过程中信贷政策在农村地区的实施效果,从而了解信贷政策实施中存在的问题,最后提出对策建议:加强宣传力度,实现宣传多样化;提升金融机构的服务水平,创新服务方式;建立配套的金融机制、金融产品和服务。
Based on the investigation of 300 questionnaires in severely affected areas, hardest hit areas and general disaster areas, this paper analyzes the effect of credit policy on the implementation of credit policy from the perspective of peasant households to analyze the credit policy in rural areas So as to understand the problems existing in the implementation of credit policies. Finally, some countermeasures and suggestions are put forward: to step up publicity and diversify publicity; to improve service levels of financial institutions and innovate service modes; and to establish supporting financial institutions, financial products and services.