基于农户金融需求视角的金融抑制问题研究--来自陕西2098户农户调研的实证研究  

A Study on the financial repression of rural finance based on the financial demand of the farmers households:A research based on the investigation of 2098 farmers households

作　　者：徐璋勇[1] 王红莉[1,2] 

机构地区：[1]西北大学中国西部经济发展研究中心,陕西西安710069 [2]中国人民银行商洛中心支行,陕西商洛726000

出　　处：《西北大学学报（哲学社会科学版）》2009年第5期47-54,共8页Journal of Northwest University：Philosophy and Social Sciences Edition

基　　金：教育部人文社科基地重大招标项目(2007JJD840193)

摘　　要：依据对陕西2098户农户金融需求及满足状况的调研数据,分析发现陕西农村存在着严重的金融抑制问题;并采用分层饱和模型(Hierarchical Model)及简约Logit模型,从农户金融需求角度对导致农户金融抑制的因素进行了实证检验。结果表明,农户的收入水平、文化程度、贷款用途等是影响农户金融需求满足程度的主要因素。最后结合中国农村金融供给的现状,分别从扩展农户金融需求,增加农村金融供给两个方面提出了消除农户金融抑制的政策建议。According to the data of 2098 Shaanxi family farmer household finance need and surveying,it was discovered that finance restrain is a grave problem in Shaanxi rural area, adopting the saturated model （ Hierarchical Model） with layers and the concise Logit model, checking on the factors leading to farmer household finance restraint and finance satisfication degree. Result indicates that such as invisible income level, level of education, loan use of household are the major factors. Combining with the real current finance situation, some policies were pufforward to remove household restrains from expanding household finance need and increasing finance supply.

关 键 词：农户 金融需求 金融抑制 实证研究 

分 类 号：F321[经济管理—产业经济]