商业银行农村小额贷款对农户收入的影响——以B市商业银行小额贷款为例

发布时间：2018-01-05 12:09

本文关键词：商业银行农村小额贷款对农户收入的影响——以B市商业银行小额贷款为例　出处：《哈尔滨工业大学学报(社会科学版)》2017年03期 　论文类型：期刊论文

【摘要】：三农问题一直都是中国发展问题中的重中之重,而完善的金融体系对于农业经济的发展、农民收入的提升乃至农村社会的进步都相当重要。通过利用B市商业银行以及当地农户可获得的所有贷款额的数据,采用多元回归模型实证分析B市商业银行扶贫小额贷款对农户收入的影响效果后发现:农户的贷款额、受教育程度和房产估值对农户的收入有显著的影响。因此,积极发展农村金融市场、适度加大对农户的贷款额度、建立农户的小额信用体系、避免小额信贷出现"目标偏移"现象,有利于增加农户收入并且解决三农问题;与此同时,我们也要关注农户的受教育程度,因该因素也有利于增加其收入。
[Abstract]:The issue of agriculture, rural areas and farmers has always been the most important issue in China's development, and a sound financial system for the development of agricultural economy. The improvement of farmers' income and even the progress of rural society are very important by using the data of all loans available to commercial banks and local farmers in B city. By using multivariate regression model, the paper analyzes the effect of anti-poverty micro-credit in commercial banks of B city on farmers' income and finds out that: the amount of loans to farmers. Education and real estate valuation have a significant impact on the income of farmers. Therefore, actively develop rural financial markets, appropriately increase the amount of loans to farmers, and establish a small credit system for farmers. Avoiding the phenomenon of "target deviation" in micro-credit is beneficial to increase farmers' income and solve the problems of agriculture, rural areas and farmers; At the same time, we should also pay attention to the education level of farmers, because this factor also helps to increase their income.
【作者单位】：中国农业大学经济管理学院;
【分类号】：F323.8;F832.43
【正文快照】： 引言20世纪90年代末期特别是进入21世纪以来,尽管中国政府一直将三农问题视为重中之重,但是由于农业产业本身的弱质性,中国城乡二元结构的复杂性、农户土地收入提升空间的有限性以及其他制度安排的影响,三农问题无法像其他非农领域那样容易得到现代金融体系的关注与支持,这也

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