不同渠道下农户是否借贷及借贷规模影响因素分析  

Analysis of factors influencing farmers’ borrowing and borrowing scale under different channels

作　　者：郜梦琪 郭晖[1] GAO Meng-qi;GUO Hui(College of Economics and Trade,Xinjiang Agricultural University,Urumqi830052,China)

机构地区：[1]新疆农业大学经济与贸易学院,乌鲁木齐830052

出　　处：《湖北农业科学》2021年第14期184-191,共8页Hubei Agricultural Sciences

基　　金：新疆维吾尔自治区社会科学基金项目(2014BJY025)。

摘　　要：农户借贷满足对增加农户收入和发展农村经济至关重要。基于山西省高平市520个样本农户的实地调研数据,实证分析农户是否借贷及影响借贷规模的因素。根据借贷渠道的不同,将农户借贷分为正规借贷和民间借贷,进行分样本回归。结果表明,风险偏好对农户是否借贷显著正向影响,年龄和家庭耕地面积对农户是否借贷显著负向影响;年龄和受教育程度对农户借贷规模显著负向影响,对借贷政策的认知度和家庭总收入对农户借贷规模显著正向影响。从不同渠道来看,不同变量对农户是否借贷和借贷规模的影响有所不同。Farmers’loan satisfaction is very important to increase farmers’income and develop rural economy.Based on the field survey data of 520 sample farmers in Gaoping city of Shanxi province,this study empirically analyzed the influencing factors of whether the farmers borrow and the scale of borrowing.According to the different borrowing channels,farmers’loan was divided into formal borrowing and private borrowing,and the sub-sample regression was conducted.The results showed that,the risk preference had a significant positive impact on whether the farmers borrowed,the age and the cultivated land area had a significant negative impact on whether the farmers borrowed;the age and the education level had a significant negative impact on the scale of farmers’borrowing,the awareness on the borrowing policies and the total household income had a significant positive impact on the scale of farmers’borrowing.From the perspective of different channels,different variables had different effects on whether farmers borrow and the scale of borrowing.

关 键 词：正规借贷 民间借贷 借贷渠道 借贷规模 影响因素 

分 类 号：F830.58[经济管理—金融学]