发达地区农户小额信贷需求影响因素实证研究

发布时间：2018-05-10 11:16

本文选题：发达地区农村 + 小额信贷需求　；参考：《广东农业科学》2014年15期

【摘要】：对佛山农村地区的490户农户的信贷需求和小额信贷行为进行了调查分析,运用二元Logitstic模型,实证检验了发达地区农户小额信贷需求的影响因素。结果表明,发达地区农户正规信贷市场参与度高;农户对小额信贷需求意愿强烈,有正规信贷需求的农户对小额信贷的认可度高,且希望得到小额信贷的相关培训服务;与贫困地区农户信贷资金主要满足生活消费性用途不同的是,发达地区农户贷款以投资生产性用途为主;发达地区农户的信贷额度较大,但金融需求的满足率不高。计量分析表明:发达地区农户投资活跃度、家庭教育支出、小额信贷的认识性评价对农户小额信贷需求有显著正向影响;发达地区农户家庭耕地面积、投资规模、家庭年收入、农业收入、家庭固定资产价值对农户小额信贷需求有显著负向影响。
[Abstract]:The credit demand and micro-credit behavior of 490families in Foshan rural area were investigated and analyzed. The factors influencing the demand of micro-credit in developed areas were tested by using the dual Logitstic model. The results show that farmers in developed regions have a high participation in the formal credit market, farmers have a strong willingness to demand microcredit, farmers with formal credit needs have a high degree of recognition of microcredit, and hope to get microfinance related training services. The difference between the credit funds of farmers in poor areas and that of households in poor areas is that the loans of farmers in developed areas are mainly used for investment and productive use, while the credit lines of farmers in developed areas are large, but the rate of meeting financial needs is not high. The econometric analysis shows that the degree of investment activity, the expenditure of family education and the cognitive evaluation of micro-credit have a significant positive impact on the demand for micro-credit in developed regions, the area of family cultivated land, the scale of investment, and the annual income of households in developed regions. Agricultural income and the value of household fixed assets have a significant negative impact on farmers' demand for microcredit.
【作者单位】：华南农业大学经济管理学院;
【基金】：国家自然科学基金青年项目(71203066)
【分类号】：F832.43

【参考文献】