湖南省桃江县农户信贷需求分析  

Farmers' Credit Demand Analysis on Taojiang County of Hunan Province

作　　者：蔡洋萍[1] 张立[1] 

机构地区：[1]湖南农业大学经济学院,长沙410128

出　　处：《农业经济与管理》2015年第5期89-96,共8页Agricultural Economics and Management

基　　金：第57批国家博士后基金资助项目(2015M572247);湖南省教育厅优秀青年项目(15B122);湖南省科技计划项目(2015RS4037);湖南省社会科学基金项目(13YBB102)

摘　　要：改革开放以来,随着家庭联产承包的实行,农户成为中国农村经济的基本单位,同时也成为农村金融需求的主体。对农户的信贷需求进行分析,有益于解决我国农户贷款难问题。以湖南省桃江县为例,调查分析桃江县农户信贷需求的现状及影响因素,运用Tobit分析法对影响农户信贷的因素及借贷额度进行关系分析,研究发现,农户的家庭收入、农业生产性支出、非农业生产性支出、教育支出、借贷利率、金融排斥等因素对信贷需求均有显著影响。其中,农户的农业生产性支出、非农业生产性支出、教育支出等因素对信贷需求具有正向影响;而农户的家庭收入、借款利率、金融排斥等因素对信贷需求具有负向影响。Since the reform and opening up, with the implementation of the household contract, thefarmers have become the basic unit of rural economy, and also become the main unit of rural financialmarket. The analysis of farmers' credit demand could solve the loan problem of farmers in China. Theresearch took Taojiang County for example, through the investigation of the status and influencing factors ofcredit demand of farmers in Taojiang County, the paper analyzed the relationships between the loan amountand the factors, which used the Tobit analysis. The study found that the families' income, agriculturalproduction support, non agricultural production expenditure, expenditure on education, interest rates forborrowing and lending, financial exclusion had significant effects on farmers demand for credit. Amongthem, the agricultural productive expenditure, non agricultural production expenditure, educationexpenditure and other factors had a positive effect on farmers' demand for credit; and the families' income,loan interest rates, financial exclusion and other factors had negative effects on demand for credit.

关 键 词：农户 信贷需求 影响因素 

分 类 号：F830.6[经济管理—金融学]