农户借贷需求行为的经济学分析与实证——以中部某省750家农户调查为例  

The Economic and Empirical Analysis of Rural Household’s Loan Demand

作　　者：蒋难[1] 

机构地区：[1]中国人民银行武汉分行,湖北武汉430031

出　　处：《金融发展研究》2009年第5期78-80,共3页Journal Of Financial Development Research

摘　　要：发展我国农村金融必须首先正确认识我国农村客观环境下农户的资金需求情况。本文以包括生产和消费两方面活动的农户经济行为为基础建立Probit模型,利用中部某省辖内九个地区2008年12月份750户农户的调查数据,分析农户借贷行为决策及其影响因素,并得出相应的启示和建议。To develop China＇ s rural finance, we should correctly understand rural household＇ s fund demand under the rural environment. This paper builds a Probit model based on the rural household＇ s economic behavior which includes production and consumption aspects. The data used in the model are obtained by 750 rural household investigations in 9 districts of a province in Mid-China in December, 2008. This paper analyses rural household＇ s decision-making in borrowing and lending and influencing factors of decision-making, and elicits corresponding inspiration and suggestions.

关 键 词：农户借贷需求 信贷约束 实证分析 

分 类 号：F832.35[经济管理—金融学]