信用认知对农户借贷还款行为的影响研究——基于河南省的实证分析  

Research on the Effect of Credit Cognition upon Farmer's Borrowing & Lending and Repaying Behavior——An Empirical Analysis on Henan Province

作　　者：牛霞[1] 王坤[1] 马雯婧[1] 

机构地区：[1]中国农业大学经济管理学院,北京100083

出　　处：《征信》2014年第7期21-26,共6页Credit Reference

摘　　要：信用认知是影响农户拖欠借款的重要因素,并且认知程度越深,拖欠贷款的可能性越低。家庭外出务工人数、家庭公共费用缴纳情况、区位年平均家庭收入显著地影响农户拖欠借款的行为,而户主年龄及其受教育水平、纯收入及借贷利率对农户拖欠借款行为没有产生显著的影响。Credit cognition is an important factor affecting farmer＇ s delinquency, and the deeper awareness the farmers have, the lower the probability of delinquency is. It＇ s found that numbers of migrant workers, payment of utilities bills, and local average annual income significantly affect a farmer＇ s delinquency behavior, while the age and education level of farmers, net income, and lending rates have no significant effect on the farmer＇ s delinqueney behavior.

关 键 词：信用认知 农户借贷渠道 BINARY Logic回归模型 

分 类 号：F832.43[经济管理—金融学]