发达地区农户小额信贷需求影响因素实证研究  

An empirical research on the influence factors of the peasant household microfinance in developed areas

作　　者：杨仕晋 

机构地区：[1]华南农业大学经济管理学院,广东广州510642

出　　处：《广东农业科学》2014年第15期209-214,共6页Guangdong Agricultural Sciences

基　　金：国家自然科学基金青年项目(71203066)

摘　　要：对佛山农村地区的490户农户的信贷需求和小额信贷行为进行了调查分析,运用二元Logitstic模型,实证检验了发达地区农户小额信贷需求的影响因素。结果表明,发达地区农户正规信贷市场参与度高;农户对小额信贷需求意愿强烈,有正规信贷需求的农户对小额信贷的认可度高,且希望得到小额信贷的相关培训服务;与贫困地区农户信贷资金主要满足生活消费性用途不同的是,发达地区农户贷款以投资生产性用途为主;发达地区农户的信贷额度较大,但金融需求的满足率不高。计量分析表明:发达地区农户投资活跃度、家庭教育支出、小额信贷的认识性评价对农户小额信贷需求有显著正向影响;发达地区农户家庭耕地面积、投资规模、家庭年收入、农业收入、家庭固定资产价值对农户小额信贷需求有显著负向影响。This paper selects 490 peasant households from the rural area in Foshan,and investigates their microfinance demand and behavior.Also this paper examines the decisive factors of microfinance demand with binary Logistic model.The survey shows that farmers are active in the formal finance market in the developed rural area.Farmers are eager to the microfinance,and farmers who demand formal load highly accept the microfinance,furthermore,they hope to gain the training services about the microfinance.Compared to the farmers who usually use the credit capital to satisfy their living expenditure in poor rural area,farmers in developed rural area tend to use their credit capital on the productive investment.Farmers in developed rural area have larger amount of credit capital,but the satisfaction rate of credit demand is very low.The empirical analysis conclusions are as follows： the liveness of investment,education expenditure and the evaluation and knowledge of microfinance have significant positive effect on the farmers＇ microfinance demand in developed rural area,but the land acreage of family,the scale of investment,the annual incoming of family,the annual agricultural incoming of family and the value of fixed assets have significant negative effect on the farmers＇ microfinance demand in developed rural area.

关 键 词：发达地区农村 小额信贷需求 影响因素 二元Logitstic模型 

分 类 号：F832.43[经济管理—金融学]