农户信贷需求影响因素研究——基于东部农户家庭调查的实证分析  

Research on Determinants of Rural Households Credit Demand

作　　者：秦建群[1] 吕忠伟 秦建国[3] 

机构地区：[1]西安交通大学,陕西西安710061 [2]中国农业银行,北京市100005 [3]交通运输部,北京市100028

出　　处：《中国流通经济》2011年第7期99-103,共5页China Business and Market

基　　金：国家社科基金重大项目"大型商业银行服务三农对策研究"(项目编号:08&ZD023);国家社科基金一般项目"中国金融解决‘三农’问题的历史经验研究(1949~2009)"(项目编号:09BJL013);北京师范大学自主科研基金项目"农户分层结构;金融支持与新农村建设"(项目编号:2009AAP-2)的阶段性成果

摘　　要：农户是中国农业经营的主体,也是农村金融市场的需求主体。农户的年龄与信贷需求(即是否发生信贷行为)之间为倒"U"型关系;农户家庭生命周期、受教育程度会在一定程度上影响信贷需求;农户的家庭收入、家庭规模、家庭负担率以及是否购买养老保险对农户的信贷需求有显著的正向影响。另外,以兼业农户为参照,纯农业农户对信贷行为有显著的正向影响,而非农业农户对信贷行为的正向影响并不显著。金融支农要根据农户需求特征提高农村金融资源配置效率,通过信贷制度创新解决农村信贷市场分割、交易成本过高和信息不对称等问题。Rural households are not only the principal part of agriculture operation in China,but also the main demanders of rural financial market.The relationship between age and credit demand of rural households likes an inverted ＂U＂ shape;the life cycle and education degree of rural households can affect the credit demand of them more or less;the income,size and the rate of farmer family burden and purchasing endowment insurance or not have the significant positive impact on the credit demand of rural households.On the other hand,the source of family＇s income can also affect the credit demand.If the peasants who engage in agriculture and non-agricultural business can be used as reference the peasants who only engage in agriculture have a positive impact,and the peasants who engage in non-agricultural business have a significant negative impact.

关 键 词：农户 信贷需求 LOGIT模型 

分 类 号：F304.4[经济管理—产业经济]