天山北坡经济带农户借款行为的影响因素研究  

Research on the Influencing Factors of Farmers’ Loan Behavior in the Economic Belt on the North Slope of Tianshan Mountains

作　　者：范雪纯 夏咏[1] 孙浩男 FAN Xue-chun;XIA Yong;SUN Hao-nan(School of Economics and Trade,Xinjiang Agricultural University,Urumqi 830052,China)

机构地区：[1]新疆农业大学经济与贸易学院

出　　处：《数学的实践与认识》2019年第24期313-319,共7页Mathematics in Practice and Theory

基　　金：新疆农业大学研究生创新项目“天山北坡经济带农村地区少数民族非正规金融现状调查研究”(XJAUGRI2016-025);国家自然科学基金“连片特困地区少数民族农户贫困代际传递程度及传递机制研究-以新疆为例”(71763027);国家自然科学基金“新疆连片特困地区多维贫困测度及其影响因素研究(71640033)”

摘　　要：基于对天山北坡经济带450个家庭的调查数据,通过构建双变量logistic模型,对该地区农户正规金融与非正规金融借款行为的影响因素进行估算.研究得到以下基本结论:1)影响农户借款行为的关键性和主要因素是农户家庭的特征;2)金融环境对农户借款行为影响显著;3)受民族聚居的影响,民族这一因素对地区农户借款的可获得性有所差异,对非正规金融借款行为的影响度高于对正规金融借款行为的影响.Based on the survey data of 450 families in the northern slope of the Tianshan Mountains,this paper estimates the influencing factors of formal financial and informal financial borrowing behaviors of farmers in the region by constructing a bivariate logistic model.The study has the following basic conclusions:(1)the key and main factors affecting farmers5 borrowing behavior are the characteristics of farmers5 households;(2)the financial environment has a significant impact on farmers'borrowing behaviors;(3)the influence of ethnic settlements,ethnic factors The availability of rural household borrowings in the region is different,and the impact on informal financial borrowing behavior is higher than that on formal financial borrowing behavior.

关 键 词：农村正规金融 农村非正规金融 影响因素 LOGISTIC模型 

分 类 号：F323.6[经济管理—产业经济] F832.43