基于结构方程模型的农户信贷约束研究  

Analysis of Farmer Credit Constraint Based on Structural Equation Modeling

作　　者：邹建国 ZOU Jian-guo(School of Eeonomies,Hunan Agricultural University,Changsha 410128,China;School of Economies and Management,Hengyang Normal University,Hengyang 421002,China)

机构地区：[1]湖南农业大学经济学院 [2]衡阳师范学院经济与管理学院

出　　处：《湖南科技大学学报（社会科学版）》2018年第4期125-131,共7页Journal of Hunan University of Science and Technology(Social Science Edition)

基　　金：国家社会科学基金项目(13BJY097);湖南省教育厅项目(14C0163);湖南省教育科学“十三五”规划项目(XJK17BGD003);衡阳市市情研究项目(2017B[Ⅱ]012)

摘　　要：农户特征、家庭禀赋及社会资本对农户信贷约束均具有显著的负向影响,金融抑制对农户信贷约束具有显著的正向影响。因此,提升农户受教育水平,培育新型农业经营主体,提高农户家庭人均收入,降低农户贷款利率水平,加强农村金融机构覆盖面,对于降低农户金融抑制程度,缓解农户信贷约束具有基础性作用。The characteristics of households,family endowment,and social capital all have significantly negative impacts on farmer constraint,while the financial repression has an obviously positive effect on farmer credit constraint. Therefore,fundamental roles will be played to reduce the farmers＇ degree of financial repression and ease their credit constraint by enhancing their education level of farmers,cultivating new agricultural management subjects,boosting per capital income of rural households,reducing farmer loan interest rates,and strengthening the coverage of rural financial institutions.

关 键 词：农户信贷约束 社会资本 结构方程模型 

分 类 号：F830.5[经济管理—金融学]