农户分层信贷渠道选择行为及其影响因素分析——基于农村二元金融结构的实证研究  

Credit Channels Choice Behavior of Rural Household and Its Impact Factors from Stratified View

作　　者：秦建群[1] 吕忠伟[2] 秦建国[3] 

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

出　　处：《数量经济技术经济研究》2011年第10期37-49,共13页Journal of Quantitative & Technological 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)的阶段性成果

摘　　要：本文基于来自中国12省市的农户家庭信贷的微观数据,运用Probit模型实证分析了在正规金融渠道与非正规金融渠道相互独立和相互影响下,高收入与低收入农户信贷渠道选择行为的影响因素,解析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。本文研究发现,家庭特征、经济特征以及金融生态环境对高收入与低收入农户信贷渠道的选择行为有着不同的影响。基于经验研究的基础上,提出中国二元金融结构特征下的深化农村金融改革的政策建议。Based on the survey data collected from 12 provinces （municipalities） in China, the empirical study on the impact factors of the Credit Channels Choice Behaviors of high-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 and low-income rural households. Based on this empirical study, some policy recommendations for promoting rural financial reform in Chinese Financial Dualism environment are put forward in this paper.

关 键 词：二元金融结构 农户分层 渠道选择 PROBIT模型 

分 类 号：F830[经济管理—金融学]