新疆地区农村正规金融与非正规金融供需影响因素研究

发布时间：2018-02-17 07:05

本文关键词： 农村正规金融农村非正规金融新疆地区四元Probit联立方程模型　出处：《统计与信息论坛》2017年01期 　论文类型：期刊论文

【摘要】：基于新疆农户家庭微观调研数据,构建四元Probit联立方程模型,并运用GHK模拟估计法对农村正规金融和非正规金融供需影响因素进行了有效识别,估计出影响因素对两类农村金融供给和需求的影响效应,发现农村正规金融机构和非正规金融组织存在显著的互补关系,并对估计结果进行了稳健性检验,结果表明模型估计结果稳健。研究发现:(1)对农村正规金融需求而言,户主受教育水平、家庭生产性固定资产总值等的影响为负,户主是否汉族、是否拥有技能等的影响为正;(2)对农村正规金融供给而言,居住地距农村正规金融机构距离的影响为负,非农收入比重、家庭纯收入等的影响为正;(3)对农村非正规金融需求而言,家中劳动力人数和生产经营投资的影响为负,户主是否汉族、家庭生活消费支出等的影响为正;(4)对农村非正规金融供给而言,是否处于南疆的影响为负,家庭纯收入、家庭获取礼金和获赠所得总额等的影响为正。
[Abstract]:Based on the microcosmic survey data of rural households in Xinjiang, the four-element Probit simultaneous equation model is constructed, and the factors affecting the supply and demand of rural formal and informal finance are effectively identified by using the GHK simulation estimation method. The effects of influencing factors on the supply and demand of rural finance are estimated. It is found that there is a significant complementary relationship between rural formal financial institutions and informal financial organizations. The results show that the estimated results of the model are robust. The study found that the impact of the education level of the head of household and the total value of the productive fixed assets of the household on the rural formal financial needs is negative. Whether the head of household is Han, For the supply of rural formal finance, the influence of residence distance from rural formal financial institutions is negative, the proportion of non-farm income and household net income is positive), and the rural informal financial demand is affected by the influence of having skills, etc. (2) for the supply of rural formal finance, the influence of residence distance from rural formal financial institutions is negative, the proportion of non-farm income and the net income of households are positive. The impact of labor force and investment in production and operation is negative, whether the head of household is Han, the impact of household consumption expenditure is positive, and the impact on rural informal financial supply is negative, whether it is in the south of Xinjiang, and whether the net income of the household is negative. The effect of the family's receipt of the gift and the total amount of the gift, etc., is positive.
【作者单位】：新疆农业大学经济与贸易学院;山东财经大学金融学院;中南财经政法大学财政税务学院;
【基金】：国家自然科学基金资助项目《区域果蔬外贸冷链物流模式及其机制创新研究》(71562033);国家自然科学基金重点项目《农村金融体系建设管理研究》(71133001);国家自然科学基金青年项目《新型城镇化中失地农民融资困境的形成、现状及治理研究》(71503118) 新疆自治区研究生科研创新项目《农村金融支持新疆“三农”经济发展问题研究》(XJGRI2015085)
【分类号】：F832.35

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