商业银行农村小额贷款对农户收入的影响——以B市商业银行小额贷款为例  

The Impact of Rural Microcredit from Commercial Banks on Rural Household Income:An Empirical Study of B City Commercial Bank's Small Loan Business

作　　者：谭伊文[1] 何广文[1] TAN Yi-wen HE Guang-wen(College of Economics and Management, China Agricultural University, Beijing 100083, China)

机构地区：[1]中国农业大学经济管理学院,北京100083

出　　处：《哈尔滨工业大学学报（社会科学版）》2017年第3期131-135,共5页Journal of Harbin Institute of Technology(Social Sciences Edition)

摘　　要：三农问题一直都是中国发展问题中的重中之重,而完善的金融体系对于农业经济的发展、农民收入的提升乃至农村社会的进步都相当重要。通过利用B市商业银行以及当地农户可获得的所有贷款额的数据,采用多元回归模型实证分析B市商业银行扶贫小额贷款对农户收入的影响效果后发现:农户的贷款额、受教育程度和房产估值对农户的收入有显著的影响。因此,积极发展农村金融市场、适度加大对农户的贷款额度、建立农户的小额信用体系、避免小额信贷出现"目标偏移"现象,有利于增加农户收入并且解决三农问题;与此同时,我们也要关注农户的受教育程度,因该因素也有利于增加其收入。The issues concerning agriculture, countryside and farmers are always the serious issues to our country and a good financial system is rather significant to the development of rural economy, the increase of farmers＂ income and the progress of rural society. This paper, on the basis of the data from some commercial bank of B city and the available loans for the farmers, using OLS model, studied the impact of the micro loans on the farm households. According to the study, the amount of loans, the level of education and the asset eval- uation are beneficial to the income of farmers. Therefore, developing the rural financial markets actively, en- hancing the amount of loans, establishing the micro credit system and mitigating the changing targets of micro credit are helpful to increase the income of farmers and even to solve the issues concerning agriculture, coun- tryside and farmers. At the same time, we should also focus on the education and asset evaluation of farmers.

关 键 词：商业银行 三农问题 小额信贷 农户居民收入 

分 类 号：F830.58[经济管理—金融学]