农户混合性贷款需求及其影响因素——基于生产经营和生活消费用途的农户  

Farmers' Demand for Mixed Loans and Its Influencing Factors——Farmers based on production and operation and living consumption

作　　者：李岩[1] 赵尚梅[1] 赵翠霞[2] LI Yan;ZHAO Shangrnei;ZHAO Cuixia(School of economics and management,Beihang University,Beijing 100191;School of psychology,Shandong Normal University,Jinan 250014)

机构地区：[1]北京航空航天大学经济管理学院,北京100191 [2]山东师范大学心理学院,山东济南250014

出　　处：《科技促进发展》2018年第7期577-583,共7页Science & Technology for Development

基　　金：国家自然科学基金项目一般项目(编号:71373017):"居民储蓄结构化管理模式及风险保障机制研究--基于政府管理视角";负责人:赵尚梅;教育部人文社科基金青年项目(编号:15YJC190032)"城郊失地农民的家庭资产选择现状;影响因素及存在的心理陷阱";负责人:赵翠霞

摘　　要：经过多年的农村金融体制改革,农村金融市场得到较快发展,但不少农户依然面临信贷配给困境。本研究对山东地区农户的混合性贷款需求进行连续6年的调查研究,结果表明,农户混合性贷款需求有明显的区域差异,与当地富裕程度呈正比,即越富裕地区,混合性贷款需求越旺盛;农户混合性贷款需求强度提速较为明显,对生产经营性贷款用途需求增速加快;农户的年龄、家庭人口、受教育程度等对混合性贷款需求有显著影响。因此应积极了解农户贷款需求,创新农户贷款产品和服务,完善相关农户贷款政策。In this study, the demand of Mixed Loans for farmers in Shandong area is investigated for 6 years. The results show that there are obvious regional differences in demand for Mixed Loans of farmers, which is proportional to the degree of local affluence, that is, the more affluent areas, the demand for mixed loans is more exuberant, and the demand intensity of farmers＇ mixed loans is more obvious, The demand for production and business loans increased rapidly, and the age of farmers, family population and education level had a significant impact on the demand for mixed loans. Therefore,we should actively understand farmers＇ loan demand, innovate farmers＇ loan products and services, and improve related farmers＇ loan policies.

关 键 词：农户 贷款需求 混合性贷款需求 LOGISTIC模型 

分 类 号：F832.43[经济管理—金融学]