农户金融需求影响因素及其差异性——基于Probit模型和陕西286户农户调查数据的分析  

Empirical Analysis of Factors Affecting Rural Households' Financial Demands and the Differences Among the Households——Based on Probit Model and Survey Data of 286 Households in Shaanxi Province

作　　者：王芳[1,2] 罗剑朝[1,2] Yvon Martel[3] 

机构地区：[1]西北农林科技大学经济管理学院 [2]西北农林科技大学农村金融研究所,陕西杨凌712100 [3]加拿大农业与农业食品部

出　　处：《西北农林科技大学学报（社会科学版）》2012年第6期61-69,共9页Journal of Northwest A&F University(Social Science Edition)

基　　金：教育部2011年度"长江学者和创新团队发展计划"项目"西部地区农村金融市场配置效率;供求均衡与产权抵押融资模式研究"(IRT1176);国家自然科学基金面上项目"西部农村金融市场开放度;市场效率与功能提升政策体系研究"(71073126);2010年度高等学校博士学科点专项科研基金课题"我国农村小型金融机构试点运行绩效评价与支持政策研究"(20100204110030);西北农林科技大学重点项目"西部农户经济社会发展状况调查与实证研究"课题

摘　　要：以陕西省铜川市286户农户调查数据为基础,运用Probit计量经济模型,对农户金融需求的影响因素及其差异性进行了实证分析。结果显示:户主特征、家庭特征、生产经营特征、收支情况及农村金融供给市场特征等因素对农户的金融需求都有不同程度的影响,不同特征组农户金融需求的影响因素差异性显著。论文认为:应鼓励社会资本向农村金融市场转移,充分调动正规金融机构和非正规金融的积极性;在农村金融供给上,要针对不同特征农户金融需求特点,优化供给资源,提高农村金融市场效率。This study examines the factors affect rural householdg financial demands by using the Probit Model and survey data of 286 households from Tongehuan, Shaanxi Province in China. The results reveal that the indi- vidual characteristics of the rural households heads and families, the situation of the households production, in- come and expense as well as the rural financial supply market can affect the households financial demands at differ- ent levels. The significant factors that affect the households financial demands are different among the different characters of the households. The conclusion is that it is necessary to encourage the social capital to provide finan- cial support to the development of rural areas and improve the system of rural financial market, including the for- mal and informal financial market. The efficiency of the financial market should be improved while providing finan- cial support to different households.

关 键 词：农户 金融需求 影响因素 差异性 PROBIT模型 

分 类 号：F407.2[经济管理—产业经济]