农村二元金融结构与农户信贷渠道选择行为  

Dualism of Rural Finance and Credit Channels Choice Behavior of Rural Households Stratified

作　　者：秦建群[1] 吕忠伟 秦建国[3] 

机构地区：[1]西安交通大学经济与金融学院,陕西西安710061 [2]中国农业银行,北京100005 [3]交通运输部规划研究院,北京100028

出　　处：《山西财经大学学报》2011年第9期49-56,共8页Journal of Shanxi University of Finance and Economics

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"(08&ZD023);国家社科基金项目"中国金融解决‘三农’问题的历史经验研究(1949-2009)"(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"(2009AAP-2)

摘　　要：采用Probit模型对中国12个省(市)农户家庭信贷的微观数据进行分析,实证研究了高收入、中等收入与低收入农户在正规金融渠道与非正规金融渠道相互独立和相互影响的情况下其信贷渠道选择行为的影响因素,解析了中国农村二元金融结构特征下的农户分层信贷渠道选择行为。研究发现,家庭特征、经济特征以及金融生态环境对高收入、中等收入与低收入农户信贷渠道的选择行为有着不同影响,高收入农户的正规金融渠道与非正规金融渠道的选择行为相互独立,而中等收入与低收入农户的正规金融渠道与非正规金融渠道的选择行为相互影响。Based on the survey data of rural households credit collected from 12 provinces （municipalities） in China, the empiri- cal study on the impact factors of the Credit Channels Choice Behaviors of high-income, middle-income and low-income rural households is made by using of Probit model under the conditions that the formal and informal Credit Channels are dependent and independent respectively, in order to investigate the Credit Channels Choice Behavior of rural households in the Financial Dualism environment from the stratified view. The study concludes that household characteristics, economic characteristics and Finance Environment have different impacts on the Credit Channels Choice Behaviors of high-income, middle-income and low-income rural households. The Credit Channels Choice of high-income rural households from formal or informal Credit Channels is independent; however, these two Credit Channels affect each other for middle-income and low-income rural households.

关 键 词：二元金融结构 农户分层 渠道选择 PROBIT模型 

分 类 号：F832[经济管理—金融学] F224.0