农村妇女小额担保贷款发放的对象特征及影响因素研究--基于甘肃省微观调查数据

摘要

Rural women are important force to promote economic development in the rural areas. The rural women ’s microfi-nance loan plays an important role to solve the difficulties of the production and management. The purpose of this paper is to study the actual demand characteristics for rural women’s microfinance and main factors influencing loan. Through the empir-ical research on situation of rural women's microfinance loan of Gansu province, this article carries on the thorough analysis separately from the demand for loans, lenders age structure,cultural level,the amount of the loan,the loan application,the in-fluence factors of loan demand as well as the loan service support system and puts forward the countermeasures and sugges-tions of policy optimization.%农村妇女是农村经济建设中的重要力量。农村妇女小额担保贷款为解决农村妇女生产经营中的困难发挥了重要作用。本文旨在研究农村妇女对于小额贷款的实际需求特点和影响贷款需求的主要因素。文章通过对甘肃地区农村妇女小额担保贷款情况进行实证研究，分别从贷款需求、贷款者年龄构成、文化水平，贷款额度、贷款用途、影响贷款需求的因素以及贷款服务支持体系进行了深入分析，并提出了政策优化的对策和建议。