农户对新型农村金融机构的借贷偏好分析  

An Analysis of the Rural Households' Preference to the New-type Loans in Rural Financial Institutions

作　　者：郭世辉[1] 康佳楠[1] 张新渊[1] 齐昌允[1] 

机构地区：[1]西北大学经济管理学院,陕西西安710069

出　　处：《西北大学学报（哲学社会科学版）》2011年第3期32-35,共4页Journal of Northwest University：Philosophy and Social Sciences Edition

基　　金：西北大学国家大学生创新实验计划项目(rd00012)

摘　　要：新型农村金融机构试点工作开展已近四年,从最初的6省24家试点到目前三种类型机构在全国各省县遍布开花。星星之火为解决农户借贷难问题带来了新的希望。笔者一行在此契机下深入走访了试点乡镇湖北随州随县、陕西安康汉滨区、汉中城固县、铜川新区四地,发放问卷500份,利用logit模型对数据进行计量分析,发现生产性资产、熟人社会、新型农村金融机构的服务对农户借贷偏好具有显著性影响。The pilot projects of the new-type rural financial institutions have been carried out for almost four years,from the initial 24 pilots in six provinces to the current three types of institutions in all provinces throughout the whole nation.This has brought new hope to the households to solve the difficult issues about loans.The author and his entourage took this opportunity to visit the pilots in Suizhou,Hubei province,Ankang Hanbin District in Shaanxi Province,Hanzhong Chenggu County and Tongchuan New District.500 questionnaires were delivered.Logit models for quantitative analysis of the data was used.It has been found that productive assets,social acquaintances and the services of the new-type rural financial institutions has significant impact on rural households＇ preference to loans.

关 键 词：新型农村金融机构 LOGIT模型 生产性支出 熟人社会 

分 类 号：F830.9[经济管理—金融学]