农民工收入稳定性对中西部农户信贷需求的影响——基于陕西、山西的调研分析  

Influence of Income Stability on Credit Demand of Rural Migrant Workers——A Case of Shaanxi and Shanxi

作　　者：邓锴[1] 霍婷洁 孔荣[1] 

机构地区：[1]西北农林科技大学经济管理学院,陕西杨凌712100

出　　处：《财经论丛》2014年第5期30-36,共7页Collected Essays on Finance and Economics

基　　金：国家自然科学基金资助项目(71373205);高等学校博士点基金资助项目(20120204110035)

摘　　要：本文依据陕西、山西两省538份调查问卷,采用有序—二元logistic二阶段模型,量化研究了农民工收入稳定性及其对农户信贷需求的影响。结果表明,农民工工作技术含量、务工年限对农户信贷需求有显著负向影响;农民工近两年换行业次数对农户信贷需求有显著正向影响;工资性收入不稳定的农户较工资性收入稳定的农户贷款意愿更强烈。Based on data of 538 questionnaires , the paper analyzes with the Dual-logistic Regression model the correla-tion between rural migrant workers ’ income stability and their credit demand .It is found that the technical content of the workers ’ jobs and their working terms have a negative effect on their credit demand while the mid -variable of job-change times in the recent 2 years has a positive effect .It means the credit demand of workers with stable wage income is lower than that of workers with unstable wage income .

关 键 词：农民工 工资性收入 收入稳定性 信贷需求 

分 类 号：F832.4[经济管理—金融学]