创业农户信贷需求及正规信贷约束影响因素——基于宿迁市C村53户创业农户的实证分析

发布时间：2018-03-13 17:37

本文选题：创业农户　切入点：信贷需求　出处：《江苏农业科学》2017年13期 　论文类型：期刊论文

【摘要】：在简要回顾国内外有关信贷约束与农户创业关系的基础上,分析C村创业农户创业及信贷需求获得情况,并采用Probit模型对C村53户创业农户的信贷需求和信贷约束的影响因素进行实证分析,结果发现,创业农户主要负责人的年龄、受教育程度、对贷款的了解程度、农户创业的具体形态、是否雇佣劳动力、初始投资是影响创业农户是否有信贷需求的主要因素,农户创业的具体形态、是否雇佣劳动力、初始投资及创业形式是影响创业农户是否受到正规信贷约束的主要因素,并发现在农户创业过程中存在着较明显的正规信贷约束。提出设立农户创业基金、优化正规金融机构金融服务、引导规范民间借贷发展、规范发展电商平台金融等几点提升农村金融服务的建议,以更好地促进农户创业。
[Abstract]:On the basis of a brief review of the relationship between credit constraints and farmers' entrepreneurship at home and abroad, this paper analyzes the situation of start-up and credit demand in Village C. The Probit model is used to analyze the credit demand and credit constraints of 53 start-up farmers in Village C, and the results show that the age, education level and understanding of the loans of the principal responsible persons of the entrepreneurial farmers are significant. The specific form of farmers' entrepreneurship, whether to employ labor force, the initial investment is the main factor that affects the credit demand of entrepreneurial farmers, the specific form of farmers' entrepreneurship, whether to employ labor. The initial investment and entrepreneurial form are the main factors that affect the formal credit constraint on the start-up farmers, and it is found that there are obvious formal credit constraints in the process of the farmers' entrepreneurship. We should optimize the financial services of formal financial institutions, guide and standardize the development of private lending, standardize the development of e-commerce platform finance, and promote rural financial services so as to better promote farmers' entrepreneurship.
【作者单位】：宿迁学院商学院;
【基金】：江苏省教育厅高校哲学社会科学基金(编号:2016SJD790048)
【分类号】：F279.27;F832.43

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