聊城市农户正规信贷需求和正规信贷约束问题研究

发布时间：2018-05-01 01:22

本文选题：聊城市 + 农户　；参考：《吉林农业大学》2015年硕士论文

【摘要】：中国金融体制改革以来,农村地区的金融覆盖面得到了很大提高。但是,近年来一些学者的调查研究表明,在中国的广大农村地区仍然面临着较为严重的正规信贷约束。正规信贷约束的形成除了是由于正规金融部门对借款者的信贷配给之外,来自于需求方面的信贷约束也不可忽视。借款者自身由于种种原因形成了需求压抑,进而导致对正规金融的需求型信贷约束。本文以聊城市为例实证分析农户的信贷需求和信贷约束问题,考察农户正规信贷约束的真实原因,以期为解决聊城市农户信贷约束问题提出有针对性的建议。本文基于对聊城市农户的实地调查数据,采用描述性统计研究聊城市农户的正规信贷需求现状以及农户受到正规信贷约束的程度,并用Logistic回归模型分析正规信贷约束形成的原因及影响因素。同时得出了如下结论:(1)户主家中是否做生意、家庭中外出务工人数、家中是否有长期患病者、户主年龄、人均工资收入、家庭总收入、非农收入占总收入比重、是否了解农信社贷款的条件及申请程序以及是否有信用社贷款未还这9个变量通过了显著性检验。其中,家中是否有患病者、家中是否做生意以及家庭总收入正向影响农户受到正规信贷约束的概率;家庭中外出务工人数、户主年龄、人均工资收入、非农收入占总收入的比重、是否了解农信社贷款的条件及申请程序以及是否有信用社贷款未还则负向影响农户受到正规信贷约束的概率。(2)家庭规模(家庭人口数)、家庭劳动力人数、社会经历、户主受教育年限、户主是否有技能、土地规模、家庭固定资产、农户住处与金融网点的距离这些变量没有通过显著性检验,说明这些因素对农户是否受到正规信贷约束的影响并不显著。以上研究结论,为解决聊城市农户的正规信贷约束提供了重要启示。
[Abstract]:Since the reform of China's financial system, the financial coverage in rural areas has been greatly improved. However, in recent years, some scholars' research shows that the rural areas in China still face more serious formal credit constraints. The formation of formal credit constraint is not only due to the credit rationing of the formal financial sector to borrowers, but also from the demand side of credit constraints can not be ignored. Borrowers themselves form demand repression for various reasons, which leads to demand-type credit constraints on formal finance. This paper takes Liaocheng as an example to analyze the problem of farmers' credit demand and credit constraint, to investigate the real reasons of farmers' formal credit constraints, and to put forward some suggestions for solving the problem of farmers' credit constraints in Liaocheng City. Based on the field survey data of farmers in Liaocheng City, this paper uses descriptive statistics to study the current situation of farmers' formal credit demand and the degree of the farmers being constrained by formal credit. Logistic regression model is used to analyze the causes and influencing factors of formal credit constraint. At the same time, the following conclusions are drawn: is the head of household doing business, the number of migrant workers in the household, whether there are chronically ill persons in the household, age of the head of household, per capita wage income, total household income, non-farm income as a proportion of total income, Whether to understand the conditions and application procedures of RCC loans and whether there are 9 variables that have not been repaid by RCCs have passed the significance test. Among them, whether there are sick people in the family, whether the family does business or not, and whether the total income of the family is positively related to the probability of farmers being restricted by formal credit, the number of migrant workers in the household, the age of the head of household, the income of the wage per capita, The share of non-farm income in total income, Do you understand the conditions and application procedures for RCCs loans and whether the failure of credit union loans has a negative impact on the probability of farmers being constrained by formal credit?) family size (household size, family labor force, social experience, etc.), The number of years of schooling, whether the head of the household has skills, the scale of the land, the fixed assets of the household, the distance between the farmer's residence and the financial network has not passed the significance test. It shows that the influence of these factors on farmers' formal credit constraints is not significant. The above conclusions provide important inspiration for solving the formal credit constraints of farmers in Liaocheng.
【学位授予单位】：吉林农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.43

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