Institutional Credit to Agriculture Sector in India: Status, Performance and Determinants
Institutional Credit to Agriculture Sector in India: Status, Performance and Determinants
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印度农业部门的机构信贷：现状、绩效和决定因素
DOI：
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发表时间：
2010
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影响因子：
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通讯作者：
Shradhajali Sinha
中科院分区：
文献类型：
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作者：
Anjani Kumar;Krishna M. Singh;Shradhajali Sinha
机构信贷被认为在印度农业发展中发挥着关键作用。许多机构参与向农业发放信贷。然而，放债人在农村信贷市场的持续存在仍然是一个主要关切。在此背景下，本研究审查了农业信贷流的表现，并确定了在印度农户一级增加使用机构信贷的决定因素。根据从若干来源汇编的二手数据进行的研究表明，过去四十年来，机构对农业的信贷按真实的价值计算大幅增加。近年来，信贷网点结构发生了重大变化，商业银行已成为机构信贷的主要来源。但是，投资信贷在信贷总量中所占比重的下降可能会制约农业的可持续增长。农户获得的机构信贷数量受到一些社会人口因素的影响，其中包括教育、农场规模、家庭规模、种姓、性别、家庭职业等。
The institutional credit has been conceived to play a pivotal role in the agricultural development of India. A large number of institutional agencies are involved in the disbursement of credit to agriculture. However, the persistence of money lenders in the rural credit market is still a major concern. In this backdrop, the present study has examined the performance of agricultural credit flow and has identified the determinants of increased use of institutional credit at the farm household level in India. The study based on the secondary data compiled from several sources, has revealed that the institutional credit to agriculture in real terms has increased tremendously during the past four decades. The structure of credit outlets has witnessed a significant change and commercial banks have emerged as the major source of institutional credit in recent years. But, the declining share of investment credit in the total credit may constrain the sustainable agricultural growth. The quantum of institutional credit availed by the farming households is affected by a number of socio-demographic factors which include education, farm size, family size, caste, gender, occupation of household, etc. The study has suggested simplification of the procedure for a better access to agricultural credit of smallholders and less-educated/illiterate farmers.