经济欠发达地区农户信贷约束与农信社小额信贷——基于对江苏睢宁县的农户调查  

Rural Households' Credit Constraints in Underdeveloped Areas and Rural Credit Cooperative's Micro-credit:A Survey of Rural Households in Suining County,Jiangsu Province

作　　者：董晓林[1] 杨小丽[1] 胡睿[1] 

机构地区：[1]南京农业大学经济管理学院,江苏南京210095

出　　处：《南京农业大学学报（社会科学版）》2010年第2期27-34,共8页Journal of Nanjing Agricultural University(Social Sciences Edition)

基　　金：国家社科基金项目(09BJY103)

摘　　要：本文基于对江苏省睢宁县337个农户的调查数据,采用Heckman广义三阶段回归模型和多元回归模型,实证分析现阶段经济欠发达地区农户的信贷约束现状及其影响因素、农户信贷需求缺口以及正规金融机构的小额信贷对缓解农户信贷约束的作用。研究结果显示,样本地区1/3以上的农户受到了信贷约束,其中信用等级评定的农户还款能力、信用社对担保人的要求等因素对农户信贷约束具有显著影响,正规金融机构(农信社)小额信贷的实施显著减少了农户(除最低收入农户)受到信贷约束的可能性,因此,欠发达地区实行的小额信贷对缓解农户的信贷约束有着积极的作用。Based on the data of 337 rural households from Suining County,Jiangsu Province and with the use of a broad three-stage Heckman regression equation and a multiple regression model,this article analyzed the rural households＇ credit constraints in underdeveloped areas and their influencing factors,the households＇ credit demand gap as well as the impact of the formal rural financial institutions＇ micro-credit on rural households＇ credit constraints. The findings showed that over 1/3 of the rural households in the sample had been credit restrained. Rural households＇ repayments ability and rural credit cooperatives＇ requirements on guarantors had a remarkable influence on the rural households＇ credit constraints,while the micro-credit＇s implementation reduced the possibility of the rural households＇ （except some lowest-income households） credit constraints obviously,therefore,the micro-credit＇s implementation in underdeveloped areas plays a positive role in alleviating rural households＇ credit constraints.

关 键 词：农户 信贷约束 小额信贷 

分 类 号：F830.5[经济管理—金融学]