缓解农户正规信贷约束的对策探析——基于农户特征的视角

发布时间：2018-01-12 21:01

本文关键词：缓解农户正规信贷约束的对策探析——基于农户特征的视角　出处：《武汉金融》2017年10期 　论文类型：期刊论文

【摘要】：实现"四化同步"的关键在于农业现代化,解决之道在于发展农村经济。但目前我国农村地区普遍存在信贷约束现象,阻碍了农村经济的发展。本文在对国内外相关文献进行综述的基础上,运用Logistic回归模型对影响农户正规信贷约束的因素进行了实证分析,结果发现:在农户个人特征中,农户年龄、受教育程度、健康状况与其正规信贷约束显著相关。年龄越大,信贷约束的程度越严重,农户受教育程度越高、健康状况越好,信贷约束程度越低;在农户家庭特征中,家庭年收入、是否有房屋产权、是否加入合作社与农户正规信贷约束显著负相关。基于此,本文从农户特征视角出发,提出了缓解农户正规信贷约束的建议:一是加大对农民工返乡创业的金融支持力度;二是扶贫要与扶智相结合;三是要健全农村医疗保障体系;四是大力推进"两权"抵押贷款试点工作;五是支持新型农业经营主体发展。
[Abstract]:The key to realize "the four modernizations" is the agricultural modernization, the solution lies in the development of rural economy. But the current rural area of our country widespread credit constraints, hinders the development of rural economy. Based on reviewing the related literature at home and abroad, has carried on the empirical analysis, using Logistic regression model of factors affecting farmers the results showed that: the formal credit constraints in the farmers' individual characteristics, farmers' age, education level, health status was significantly associated with the standard credit constraints. The older, the more severe credit constraints, farmers higher level of education, better health, the lower the degree of credit constraints; in household character, family the annual income, whether the housing property, whether or not to join the cooperatives and farmers credit constraints are significant negative correlation. Based on this, this article from the perspective of farmers' characteristics, put forward to alleviate farmers Creditconstraints suggestions: one is to increase the return of financial support for migrant workers entrepreneurship; two is the poverty alleviation should be combined with Fu Chi; three is to improve the rural medical security system; the four is to vigorously promote the "two rights" mortgage pilot work; five is to support the development of new agricultural business entities.

【作者单位】：中国人民银行西安分行;
【基金】：国家自然科学基金“新生代农民工创业过程中融资约束和社会网络交互作用机理研究——以江西省为例”(71563017)阶段性研究成果
【分类号】：F832.43
【正文快照】： 一一、问题的提出:农村地区普遍存在正规信贷约束当前,我们正处于“三期叠加”(即增长速度换挡期、结构调整阵痛期、深化改革深水期)的特殊时期,要实现工业化、信息化、城镇化、农业现代化同步发展,关键在于实现农业现代化、解决“三农”问题。“三农”问题的解决之道在于发展

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