农户信贷配给及影响因素的实证分析  

The Empirical Analysis on Farmer Credit Rationing and Its Influence Factors in Impoverished Area of Tianshui City

作　　者：王雪琳[1] 肖雪萍[1] 

机构地区：[1]天水师范学院经济与社会管理学院,甘肃天水741001

出　　处：《天水师范学院学报》2012年第5期49-52,共4页Journal of Tianshui Normal University

摘　　要：利用天水地区600户农村家庭的抽样调查数据,从实证角度考察了我国农村正式金融机构对贫困地区农户的信贷配给行为.计量结果表明,60.7%的农户受到了数量信贷配给、风险和交易成本配给;教育年限、固定资产、非农收入对其信贷配给在统计上有显著的负向影响.本文结论有助于有针对性地提出缓解贫困地区农户正规信贷约束的政策建议.This paper employed the sampling survey data collected from 600 rural households in Tianshui area to survey the credit rationing behavior that the rural formal financial institutions have made to the poor areas from the empirical aspect.The results showed that 60.7% households were got credit rationing,and risk and transaction costs rationing,and the limited years of education,fixed assets and the non-agricultural income had conspicuous negative effects on credit rationing statistically.It contributes to putting forward targeted policy proposal that the restriction of formal credit will be lessened in poor areas.

关 键 词：贫困 农户 信贷配给 天水市 

分 类 号：F327[经济管理—产业经济] F832.43F224