农村妇女贷款意愿的关键影响因素识别研究——基于福建省的问卷数据

发布时间：2018-03-21 11:29

本文选题：农村妇女　切入点：贷款意愿　出处：《东南学术》2017年06期 　论文类型：期刊论文

【摘要】：农村妇女贷款行为是其自身的一种自我选择。政府从外部增加对农村妇女的信贷资金供给时,须从需求侧视角对农村妇女的信贷需求状况进行研究,才能实现农村妇女信贷扶持政策的根本目标。鉴于此,本文基于福建省农村妇女的问卷调查数据,利用二元IV-Probit模型分析方法,识别农村妇女贷款意愿的关键影响因素,结果显示:是否有外出务工经历、是否担任村官、是否参与农民专业合作组织、行为态度强度、正规金融贷款经历、主观规范强度、社会资本强度和家庭资产充裕度对农村妇女贷款意愿具有显著的正向影响;家庭劳动力数量、家庭年收入对农村妇女贷款意愿具有显著的负面影响。
[Abstract]:The loan behavior of rural women is their own self-choice. When the government increases the supply of credit funds to rural women from the outside, we should study the credit demand of rural women from the perspective of demand side. In view of this, based on the questionnaire survey data of rural women in Fujian Province, the paper identifies the key influencing factors of rural women's loan willingness by using the method of dual IV-Probit model analysis. The results show whether there is any experience of migrant workers, whether they serve as village officials, whether they participate in professional cooperative organizations of farmers, whether they have the intensity of behavior attitude, the experience of formal financial loans, the intensity of subjective norms, The intensity of social capital and the adequacy of household assets have a significant positive impact on rural women's loan willingness, and the number of household labor force and annual household income have significant negative effects on rural women's loan willingness.
【作者单位】：福建农林大学金山学院;福建农林大学管理学院;福建农林大学经济学院;
【基金】：福建省教育厅社科类项目“福建省农村妇女生产型借贷需求影响因素研究”(项目编号:JAS150838)
【分类号】：F832.43

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