农业信贷流动的不平等:宏观和微观层面的分析

Neha Joshi, Jayant Gautam
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引用次数: 2

摘要

本文旨在研究农业信贷流向不同农业阶层农民的不平等程度,以及印度农业信贷流动中普遍存在的地区差异。对正规信贷投放包容性的分析表明,在信贷投放总量、账户信贷投放、KCC发放、区域信贷投放比率等方面,存在着广泛的不平等现象。一些地区得到了更好的服务,在数量上获得了更好的信贷,而其他地区则出现了赤字。因此,除了信贷的数量增长外,必须采取一种更具包容性的方法,以使农业信贷政策能够实现其既定目标。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Inequalities in Flow of Agriculture Credit: A Macro and Micro Level Analysis
This paper seeks to examine the level of inequalities in flow of agriculture credit to farmers of different farm classes and also the regional disparity prevailing in flow of agriculture credit in India. Analysis of inclusiveness of formal credit delivery reveals that there exist widespread inequality which has been studied through total credit disbursed, credit disbursed per account, KCC issued, CD ratio region wise. Some regions have emerged to be better served, with quantitatively better credit availability and others deficit. Thus apart from quantitative growth of credit, a rather more inclusive approach is inevitable so as to enable agriculture credit policy to fulfill its stated purpose.
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