西部农民信贷排斥的类型和影响因素研究——基于内蒙古赤峰市农户调查  

Research on Western Farmers' Credit Exclusion Types and Influence Factors——Based on the Peasant Household Survey in Chifeng of Inner Mongolia

作　　者：赵思琦[1] 张忠根[1] 

机构地区：[1]浙江大学中国农村发展研究院,杭州310058

出　　处：《中国农学通报》2014年第5期132-138,共7页Chinese Agricultural Science Bulletin

基　　金：商务部中国国际贸易学会课题"贸易开放对城乡居民收入差距的影响"(13XH-613)

摘　　要：为了解决农户贷款难问题,以西部地区农户为研究对象,采用微观调查数据,对农户受信贷排斥的状况进行识别,分析影响农户受信贷排斥的因素。研究表明:相当大比例农户处于信贷排斥状态,农户受到的信贷排斥类型主要是价格排斥、自我排斥、条件排斥;在影响农户受金融排斥状况的变量中,户主年龄对农户信贷排斥状况有显著正影响,户主受教育程度、家庭成员是否具有特殊技能、是否种植大户或养殖大户、家庭年收入、生产性和生活性固定资产价值、住房情况变量对农户信贷排斥状况有显著负影响。To solve the problem of farmers＇ difficulty in loans, with farmers in western area as the research object, using the micro data, identify farmers＇ credit exclusion situation and analyze the factors that make farmers affected by credit exclusion. The results were as follows： A considerable proportion of farmers were in a state of credit exclusion, the credit exclusion kinds that affected farmers is mainly price exclusion, self exclusion and condition exclusion; householders＇ age had credit exclusion situation. The variables of householders＇ a significant positive effect on peasant household education level, if family members have special skills, planting or breeding large, annual household income, fixed assets value of production and life, housing condition had a significant negative effect on peasant household credit exclusion situation.

关 键 词：西部农户 信贷排斥 状况识别 影响因素 

分 类 号：S-9[农业科学]