基于家庭资产结构视角的农户借贷可得性研究  

Research on the Availability of Rural Household Loans from the Perspective of Family Assets Structure

作　　者：唐文娟[1] 谭燕芝[1] 

机构地区：[1]湘潭大学商学院,湖南湘潭411105

出　　处：《湘潭大学学报（哲学社会科学版）》2017年第4期69-75,共7页Journal of Xiangtan University:Philosophy And Social Sciences

基　　金：国家自然科学基金面上项目"金融排斥背景下信用环境与中国农村商业银行可持续发展研究--基于湖南省的实地调研数据"(项目编号:71273220);湖南省教育厅一般项目"地方政府行为下的信用环境构建与农村商业银行成长的联动机制研究"(项目编号:14C1074)

摘　　要：以"2012年中国家庭追踪调查"的农户专项入户调研数据为基础,从家庭资产结构视角考察我国农户借贷的可得性。研究表明:(1)拥有土地资产、生产性固定资产和消费型耐用品越多的农户更容易获得借贷;(2)拥有房屋资产对农户借贷可得性的影响并不大,且农户拥有的金融资产越多反而降低了农户的信贷可获得性;(3)相对于正规借贷渠道,农户土地资产对非正规借贷可得性的影响并不大。The paper based on the data of farmers survey data of CFPS in 2012,researches on the availability of rural household loans from the perspective of family assets structure. Study founds that： first,farmers with land assets,productive fixed assets and consumer durables are more likely to get loans. Second,the influence of the ownership of housing on the availability of rural households is not large,and the more financial assets the farmers have,the lower the credit availability of farmers. Third,compared with formal lending channels,the impact of farmers＇ land assets on the availability of informal loans is not significant.

关 键 词：家庭资产结构 农村金融 农户借贷可得性 

分 类 号：F832.43[经济管理—金融学]