普惠金融视角下农户直补资金担保贷款需求特征研究——以吉林省梨树县为例  

Research on the Demand Characteristics of Farmers’ Direct Subsidy Guaranteed Loan from the Perspective of Inclusive Finance

作　　者：孙少岩[1] 张景星 SUN Shao-yan;ZHANG Jing-xing

机构地区：[1]吉林大学中国国有经济研究中心 [2]吉林大学经济学院,长春130012

出　　处：《吉林大学社会科学学报》2020年第1期84-93,221,共11页Jilin University Journal Social Sciences Edition

摘　　要：当前农村普惠金融建设的难点和核心是农户贷款难问题。2010年,吉林省政府在全国率先开展以直补资金担保为农民提供信贷支持工作。通过对吉林省梨树县5个乡镇的424个农户调查问卷数据的描述性统计分析、方差分析以及归并模型的计量检验,研究农户对直补资金担保贷款需求的特征,得出的主要结论是:“总负债额(2011年)”、“直补贷款限额”、“民间借贷额”、“养殖生意收入额”和“房车婚支出”与农户直补资金担保贷款额的大小有显著的相关关系;直补资金担保贷款政策对农民发展农业生产以及解决农业转移人口市民化过程中的资金需求起到了积极作用。At present,the core problem of rural inclusive finance construction is the difficulty of farmer households’loan.In 2010,Jilin provincial government took the lead in providing credit support for farmers with the guarantee of direct subsidy funds.With the questionnaire data of 424 farmers of five villages in Lishu County of Jilin Province in describing statistical analysis,variance analysis and censored regression model,this paper researches the characteristics of farmers’demand for guaranteed loans from direct subsides.The main conclusion is that the five variables including“total liabilities(2011)”,“direct subsidy loan ceiling”,“private loans”,“breeding business income”and“house,car and marriage expenditure”are significantly correlated with the amount of guaranteed loan of direct subsidy to farmers;The policy of direct subsidy guaranteed loan plays a positive role in developing agricultural production and solving the problem of capital needs in the process of citizenization of rural migrant population.

关 键 词：普惠金融 信贷配给 直补资金担保贷款 归并模型 吉林省梨树县 

分 类 号：F832.4[经济管理—金融学] F327