农户信贷配给情况及影响因素分析  

Credit Rationing and Influencing Factors of Chinese Rural Households

作　　者：孟樱[1] 王静[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：《西北农林科技大学学报（社会科学版）》2017年第3期59-66,共8页Journal of Northwest A&F University(Social Science Edition)

基　　金：国家自然科学基金项目(71373207);中国博士点基金项目(20130204110034)

摘　　要：根据陕西省324户农户的实际调查数据,对信贷配给类型按数量配给、价格配给、风险配给、交易成本配给和自我配给进行识别,并运用多项Logit模型分析了不同信贷配给类型的影响因素,以及不同信贷配给类型之间的相对风险比(RRR)。结果表明,有50%的农户受到信贷配给;教育、借贷渠道、家庭变化和家庭总收入对数量配给有显著影响;购买保险数量对价格配给影响显著;年龄、教育和信贷需求对风险配给影响显著;购买保险数量、贷款需求和加入农民合作组织对自我配给影响显著;各因素对交易成本配给影响不显著。Based on the survey data of 324 rural households in Shaanxa province, we laentmea me numoer ra- tioning, price rationing, risk rationing, transaction costs rationing, and self-rationing, and used multinomial Logit to analyze influencing factors of different types of rationing and relative risk ratio. The results show that 50% households suffer from credit rationing; education, loan ways, family changes and total income have significant effects on number rationing; insurance affects price rationing significantly; age, education, loan ways have impact on risk rationing; insurance, loan demand and joining in cooperative organization have significant impact on self-ra- tioning; the impact of all the factors on transaction cost rationing are not significant.

关 键 词：农户信贷 信贷配给 相对风险比 多项Logit模型 

分 类 号：F323.9[经济管理—产业经济]