甘肃省农户借贷需求的影响因素研究——基于CFPS面板数据  

Influencing Factors of Farmers'Borrowing Demand in Gansu Province--Based on CFPS Panel Data

作　　者：贾依婷 孟梅[1] Jia Yiting;Meng Mei(School of Management,Xinjiang A gricultural University,Urumqi 830052,Xinjiang)

机构地区：[1]新疆农业大学公共管理学院,新疆乌鲁木齐830052

出　　处：《农业展望》2022年第2期143-148,共6页Agricultural Outlook

基　　金：新疆维吾尔自治区社科基金项目“南疆三地州农地转出户生计替代策略选择及其减贫效应研究”(20BGL085)。

摘　　要：十九大报告提出乡村振兴战略是解决“三农”问题的关键,而这从根本上离不开农村金融的支撑作用。基于CFPS(2018)数据库,选择甘肃省农户作为样本观察数据,采用Probit模型对农户是否有借贷需求的影响因素进行实证分析。结果显示:在农户个人特征方面,农户年龄、文化程度对农户借贷需求有正向显著影响,而农户性别对农户借贷需求并无显著影响;在农户家庭特征中,是否从事农业、种子化肥农药费用、家庭纯收入对农户借贷需求有显著的影响,而家庭人口规模、交通通信费、人情礼节支出金额对农户借贷需求没有显著影响;在农户家庭资产中,农用机械总值、现金及存款总额对农户借贷需求产生正向显著影响,而耐用消费品总值对农户借贷需求无显著影响;在农户金融素养方面,农户是否持有金融产品对农户借贷需求有正向显著影响。基于此,提出了提高农户金融素养、增加农户可支配收入,并扩大农户有效抵押品范围、创新金融产品等的优化建议。The report to the 19th CPC National Congress put forward that the rural revitalization strategy is the key to solve the problems of agriculture,rural areas and farmers,which is inseparable from the supporting role of rural finance.Based on CFPS(2018)database,selecting farmers in Gansu province as sample observation data,and using the Probit model,the influencing factors of whether farmers have loan demand were empirically analyzed.The results showed that:in terms of farmers'personal characteristics,farmers'age and education level have a positive and significant impact on farmers'loan demand,while farmers'gender has no significant impact on farmers'loan demand;for the household characteristics of farmers,whether they are engaged in agriculture,expenses of seed,chemical fertilizer and pesticide and family net income have a significant impact on farmers'loan demand,while family population size,transportation and communication expenses and human etiquette expenses have no significant impact on farmers'loan demand;among household assets,the total value of agricultural machinery,cash and deposits have a positive and significant impact on farmers'loan demand,while the total value of durable consumer goods has no significant impact on farmers'loan demand;in terms of farmers'financial literacy,whether farmers hold financial products has a positive and significant impact on farmers'loan demand.Based on this,some optimization suggestions were put forward from improving farmers'financial literacy,increasing farmers'disposable income,expanding the scope of farmers'effective collateral and innovating financial products.

关 键 词：借贷需求 有效抵押品 金融产品 农户 PROBIT模型 甘肃省 

分 类 号：F832.43[经济管理—金融学] F323.6