基础设施可获得性与农户金融借贷行为关系研究——以新疆南疆三地州为例

发布时间：2018-02-11 06:49

本文关键词： 基础设施获得性农户金融借贷　出处：《农村金融研究》2017年05期 　论文类型：期刊论文

【摘要】：论文利用2013年国家统计局新疆调查总队农村住户调查数据,运用二元Logit回归方法考察基础设施可获得性对农户金融借贷行为的影响,并进一步探讨不同收入水平和年龄段下基础设施可获得性对农户金融借贷行为的差异化影响。研究发现:交通、通信和生态基础设施的完善均具有降低农户金融借贷行为的作用。其中,完善交通基础设施对降低农户借贷行为的贡献率随年龄的增大而逐渐减小,而生态、通信基础设施的建设对降低农户借贷行为的贡献率呈现周期变动的规律。并且,交通、生态基础设施的完善对降低农户金融借贷行为的贡献率随着农户收入水平的下降呈现周期变动的规律,通信基础设施建设只对中等收入群体的金融借贷行为影响显著。
[Abstract]:Based on the data of rural household survey of Xinjiang Survey team of the National Bureau of Statistics in 2013, the paper uses the dual Logit regression method to investigate the impact of infrastructure availability on the financial lending behavior of farmers. And further explore the different effects of the availability of infrastructure on the financial lending behavior of farmers under different income levels and age. The improvement of communication and ecological infrastructure can reduce the financial lending behavior of farmers, and the contribution of improving transportation infrastructure to reducing farmers' borrowing behavior decreases gradually with the increase of age. The contribution of communication infrastructure to the reduction of farmers' borrowing behavior shows the regularity of periodic change. And, traffic, The contribution rate of the improvement of ecological infrastructure to reducing the financial lending behavior of farmers shows the law of periodic change with the decline of farmers' income level, and the construction of communication infrastructure only has a significant impact on the financial lending behavior of middle income groups.
【作者单位】：石河子大学经济与管理学院;
【分类号】：F832.43

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