个体特征、技术成本与农户融资行为——基于黑龙江垦区的实证研究  

Individual Characteristics,Technology Cost and Farmers'Financing Behavior——An Empirical Study Based on Heilongjiang Reclamation Area

作　　者：王宏宇 温红梅[2] 马玲 WANG Hong-yu;WEN Hong-mei;MA Ling(Department of Finance,Heilongjiang University of Finance and Economic,Harbin Heilongjiang 150010;School of Finance,Harbin University Of Commerce,Harbin Heilongjiang 150028)

机构地区：[1]黑龙江财经学院金融系,黑龙江哈尔滨150010 [2]哈尔滨商业大学金融学院,黑龙江哈尔滨150028

出　　处：《牡丹江大学学报》2021年第4期1-6,14,共7页Journal of Mudanjiang University

基　　金：国家社科基金面上项目“供给侧结构性改革背景下的农村金融服务创新与风险控制研究”(编号;17BJY119);哈尔滨商业大学研究生创新科研资金重点项目(编号YJSCX2019-556HSD);黑龙江省教育科学“十四五”规划2021年度重点课题“新文科视域下财经类专业大学生创新能力提升研究”省级重点课题(编号GJB1421564)。

摘　　要：农户融资行为是我国农业研究关注的热点,农户的融资情况关系到生产种植能否正常进行。粮食是我国经济发展的保障,黑龙江垦区作为我国粮食产量最大的地区,对保障国家粮食安全作出了重要贡献。本文以黑龙江垦区为研究样本,首次引入农作物种植技术成本方面的指标,分别对种植面积最大的水稻、玉米和大豆三类农户进行调查分析,同时结合农户个体特征并运用二元Logistic模型进行综合分析,来寻找影响该地区农户融资行为的关键因素。通过实证分析结果获得以下结论:黑龙江垦区农户的收入仍处于较低水平,必须依靠融资来保证生产种植的进行,农户的融资渠道单一,且融资需求没有得到充分满足。最后根据研究结论提出:拓宽农户融资渠道、改变农户收入结构,增加金融机构的信贷供给、创新农村金融产品等政策建议。The peasant household financing behavior is the hot spot that our country agriculture research pays attention to.Grain is the guarantee of China's economic development.As the area with the largest grain output in China,Heilongjiang reclamation area has made an important contribution to the national food security.Based on Heilongjiang province as the research sample,this paper first introduced the crop planting technology cost index,respectively,to the largest planting area of rice,maize and soybean three kinds of farmers were investigated,at the same time,combined with the feature of individual farmers and use binary Logistic model to carry on the comprehensive analysis,to find the key factors that affect farmers financing activities in the region.Through the empirical analysis,it is concluded that the income of the growers in the reclamation area is still at a relatively low level,the farmers need to rely on financing for production and planting,the financing channels of the growers are single,and the financing demand is not satisfied.Finally,according to the research conclusions,it is proposed that the financing channels for grower should be broadened and income structure should be changed,financial institutions should increase the supply of agricultural credit and innovate rural financial products and other policy recommendations.

关 键 词：农户 LOGISTIC 融资行为 黑龙江垦区 

分 类 号：F303[经济管理—产业经济]