农业产业化下农户融资渠道偏好的实证研究——以江苏省泰州和南通为例  

An Empirical Study on Farmers' Financing Channels Preference under the Background of Agricultural Industrialization——Taking Taizhou and Nantong in Jiangsu Province as an Example

作　　者：彭媛媛[1] 周月书[2] 

机构地区：[1]南京农业大学金融学院,江苏南京210095 [2]南京农业大学江苏农村金融发展研究中心,江苏南京210095

出　　处：《安徽农业科学》2014年第27期9596-9599,共4页Journal of Anhui Agricultural Sciences

基　　金：南京农业大学"SRT"项目(1327A06);江苏省哲学社会科学重点研究基地重大项目"农村金融制度供给变化下农村资金配置与金融创新研究"(2012JDXM007);南京农业大学中央高校基本科研业务费人文社会科学研究基金项目(SKCX2014009);江苏省"青蓝工程"项目

摘　　要：以江苏省泰州市和南通市的农户为研究对象,通过问卷调查获取数据,研究在农业产业化的背景下农户融资渠道偏好的影响因素。运用因子分析法对影响农业产业化下农户融资渠道偏好的因素提取主因子,并建立Binary Logistic模型,分析生产经营条件因子、还款能力因子、家庭结构因子3方面的因素对农业产业化下农户融资渠道偏好的影响。结果表明,农业产业化下农户融资渠道偏好受还款能力因子、家庭结构因子的影响显著,且影响均为负向,说明还款能力因子、家庭结构因子的负向变化使得农业产业化下的农户融资渠道偏好于正规金融。Taking farmers in Taizhou and Nantong,Jiangsu Province as research objects,through questionnaire investigation to obtain data,the factors that influence the farmers＇ financing channels preference under the background of the agricultural industrialization were studied.Through factor analysis,the study extracted main factors from factors which have influence on farmers＇ financing preference under the background of the agricultural industrialization.Then the study established the Binary Logistic model to analyze the influence that three factors,ones include production and business operation condition factor,reimbursement ability factor and family structure factor,have on farmers＇ financing channels preference.The result showed that two factors-reimbursement ability factor and family structure factor-have significant impacts on farmers＇ financing channels preference.At the same time,these two factors have negative effects which reveal that the negative changes of reimbursement ability factor and family structure factor cause farmers under the background of agricultural industrialization to prefer to the formal financial financing channels.

关 键 词：农业产业化 农户融资渠道 因子分析 BINARY LOGISTIC 

分 类 号：S-9[农业科学]