正规与非正规金融下农户借贷选择行为研究——基于南京与徐州农户的调查  

Research on Farm Households' Borrowing Choices Under Formal and Informal Financial System: Based on Survey of Farm Households in Nanjing and Xuzhou

作　　者：周月书[1] 班丝蓼 周通平 牛遵博 

机构地区：[1]南京农业大学金融学院,南京210095

出　　处：《农业经济与管理》2013年第6期52-59,共8页Agricultural Economics and Management

基　　金：南京农业大学"SRT"项目(1216A23);江苏省哲学社会科学重点研究基地重大项目(2012JDXM007)

摘　　要：通过对江苏南京、徐州235户农户的问卷调查得知,农户借贷途径选择行为因农户金融需求差异而不同。其中借贷成本(利息成本、人情成本)、个人信用及偿还能力等是农户选择借贷途径时的主要考虑因素。经Logistic模型实证分析表明,借款额度越大,农户越倾向于正规金融借贷渠道;借款期限越长,农户越偏好非正规借贷渠道;有经营生产需求的农户通常选择正规融资渠道借贷,而需补足生活消费资金缺口时农户偏好非正规融资;年龄越小的户主越倾向从正规融资渠道借贷。政府的金融改革政策需考虑农户多样化、多层次的融资需求特征,正规金融应推出小额性、低息性、短期性的金融产品、简化贷款手续、提高贷款灵活性并加强贷款宣传力度和扩大宣传范围。Based on a survey of 235 farm households in Nanjing and Xuzhou, Jiangsu Province, the authors concluded that farmers＇ borrowing choices varied for different financial needs. Borrowing costs（interest costs and social costs）, credit standing and repaying capability and so on were farm households＇ main considerations when choosing a borrowing way. By empirical analyzing in Logistic model, the authors found that： Farmers who need relatively larger amount of money tend to borrow from formal lenders; farmers who needed longer-term loans tended to borrow via informal ways; households with production loans demand usually choose formal lenders, while chose informal lenders when lacking money to cover daily expense; younger farmers tended to borrow from formal lenders. Government＇s financial reform policies should apply to farmers＇ diversified and multi-level financial demand.

关 键 词：正规金融 非正规金融 农户借贷选择 

分 类 号：F832.4[经济管理—金融学]