专业化农户正规信贷需求特征及其决定因素分析——基于不同规模专业化苹果种植户的对比视角

发布时间：2017-12-31 22:05

本文关键词：专业化农户正规信贷需求特征及其决定因素分析——基于不同规模专业化苹果种植户的对比视角　出处：《农业技术经济》2017年08期 　论文类型：期刊论文

【摘要】：基于农业经营制度变革及利率市场化改革背景,本文采用Tobit Ⅲ模型及源自两个中国苹果优势区725个专业化苹果种植户的实地调研数据,实证分析专业化农户的正规信贷需求行为特征,并分析不同规模农户正规信贷需求与利率间关系。研究发现:(1)专业化农户正规信贷需求特征存在异质性。专业化规模农户正规信贷需求更多的表现为"扩展型需求"和"发展型需求"。(2)不同规模农户正规信贷需求影响因素也具有异质性。利率变化与正规信贷需求呈现负相关,且不同规模农户的信贷规模需求对于利率弹性存在异质性。(3)影响正规信贷需求与影响正规信贷规模需求的因素表现出明显的差异性。
[Abstract]:The background of the reform of agricultural management system reform and interest rate market based on the Tobit model and from 725 professional Apple planting two China Apple advantage area households survey data, credit demand behavior empirical analysis of professional farmers, and analyzes the different scale demand for formal credit and interest rate. The relationship between research found: (1) the characteristics of professional credit demand heterogeneity. The scale of professional credit demand more performance for the "extended requirements" and "development needs. (2) effects of different scale factors of peasant household credit demand has heterogeneity. Negatively related to interest rate changes and formal credit needs, and different scale of farmers' credit scale for the interest rate elasticity of demand heterogeneity. (3) affect the formal credit demand and influencing factors of formal credit demand scale shows obvious Difference.

【作者单位】：山东师范大学商学院;西北农林科技大学经济管理学院;
【基金】：国家科技重点项目“中国苹果产业经济发展研究”(编号:CARS-28) 国家自然科学基金项目“交易成本对农户农产品销售行为的影响及专业化组织创新研究”(编号:70973098)
【分类号】：F832.43
【正文快照】： 一、引言中国农户正处于分化和多维转型发展期。主要表现是,传统的半自足半商品化的家庭经营农户逐渐减少,农户转变为半工半农的自给型兼业户。同时,通过农地流转与集中,农户逐步转型为具有专业化生产、规模化经营特征的新型经营主体。由于生产规模、资本存量、生产技术和经营

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