Policies and performances of agricultural/rural credit in Bangladesh: What is the influence on agricultural production?
Policies and performances of agricultural/rural credit in Bangladesh: What is the influence on agricultural production?
复制标题
孟加拉国农业/农村信贷政策和绩效：对农业生产有何影响？
DOI：
10.5897/ajar11.1575
复制
发表时间：
2011-12-19
影响因子：
--
通讯作者：
Cheng, Enjiang
中科院分区：
文献类型：
--
作者：
Rahman, M. Wakilur;Luo, Jianchao;Cheng, Enjiang
本文评价了各银行的农业/农村信贷项目的绩效，评估了农业信贷与农业生产的关系，并调查了主要挑战，提出了未来政策方向的补救措施。该研究采用了从各种国家和国际数据来源收集的时间序列数据。采用线性方程和指数方程对时间序列数据进行分析。皮尔森相关方程也被用来确定信贷支出与农业生产之间的关系。研究发现，由于近年来的政策转变和新的金融中介机构-私营商业银行和外国商业银行-的加入，各贷款机构的农业/农村信贷业绩有所改善。然而，尽管农业信贷和生产在1%的水平上显示出很强的正相关性，但农业信贷的分配和目标的实现情况都不太令人满意。研究结果将有助于政策制定者和从业人员更好地了解农业/农村融资，并导致更好的信贷政策和计划。
This paper evaluated the performance of various lenders' agricultural/rural credit programs, assessed the relationship between agricultural credit and farm production, and investigated the major challenges and proposed remedial measures for future policy direction. The study employed time series data collected from various national and international data sources. Both linear and exponential equations adopted for analyzing the time series data. Pearson Correlation equation also applied to determine the relationship between credit disbursement and farm production. It is found that the performance of agricultural/rural credit of various lenders improved due to policy shift in recent years and the inclusion of new financial intermediaries- Private Commercial Banks (PCBs) and Foreign Commercial Banks (FCBs). Both the allocation of credit to agriculture and the target attainment had however been found less satisfactory, although agricultural credit and production revealed a strong positive correlation at 1% level. The findings will help policy makers and practitioners to gain better understanding of agricultural/rural financing and lead to better credit policies and programs.