农户借贷需求的影响因素分析  

Analysis of influencing factors for household borrowing demand

作　　者：陈清华[1] 张盼 

机构地区：[1]宁夏大学经济管理学院,宁夏银川750021

出　　处：《农业科学研究》2017年第4期79-83,共5页Journal of Agricultural Sciences

基　　金：宁夏哲学社会科学规划项目"宁夏村级互助资金精准扶贫效果评估"(16NXBYJ08)

摘　　要：运用2011年中国家庭金融调查数据,建立probit模型分析农户借贷需求行为的影响因素.结果表明:在全样本回归模型中,家庭总收入、学历、家用生产设备、非金融资产、家庭消费支出对农户借贷需求为正向影响,家庭金融资产对农户借贷需求为负向影响.进一步对农户收入进行分组回归,不同收入组农户家庭总收入对农户借贷需求行为的影响存在差异.在中低收入组中,家庭总收入对农户借贷需求没有显著影响,而在高收入组中家庭总收入对农户借贷需求有显著的正向影响.Using the 2011 China Household Financial Survey （CHFS） data , setting up the Probit model to analyze factors ofthe farmers＇ borrowing needs .The farmers＇ income, education, assets ,non-financial assets and household consumption have apositive effects on the borrowing needs of farmers, the financial assets have a negative effect on the farmers＂ borrowing needs.Furthermore, the income of peasant households was further divided into groups, and the effect of household income on thedemand behavior of households in different income groups was different. In low and middle income groups, household incomehas no significant impact on household borrowing demand, while household income in high-income groups has a significantpositive impact on household borrowing needs.

关 键 词：农户总收入 借贷需求 PROBIT模型 

分 类 号：F323.9[经济管理—产业经济]