乡村振兴背景下潮汕农户融资行为研究——以埔田镇为例  

Chaoshan Farmers’Financing Behavior Under the Background of Rural Revitalization:A Case Study of Putian Town

作　　者：蔡冰瑜 林晓博 胡少东[1] CAI Bing-yu;LIN Xiao-bo;HU Shao-dong(School of Business,Shantou University,Shantou,Guangdong 515063)

机构地区：[1]汕头大学商学院,广东汕头515063

出　　处：《汕头大学学报（人文社会科学版）》2022年第2期77-84,96,共9页Journal of Shantou University(Humanities and Social Sciences Edition)

基　　金：广东高校省级重大科研项目“潮汕文化与区域经济发展研究”(2020WCXTD022)。

摘　　要：结合中国当前乡村振兴战略的大背景,利用揭阳市揭东区埔田镇农户的实地调查问卷数据,分析潮汕地区农户融资行为特征和构建多元logistic模型实证分析农户融资渠道选择的影响因素。研究发现,现阶段潮汕地区农户存在一定的融资需求,但是目前潮汕农村正规金融发展落后。在个人特征、家庭特征、宗族关系、社会资本等因素的共同作用下,农户在融资渠道上偏向于非正规金融,需要提高正规金融机构的服务水平、提高农户金融素养和规范民间金融以推动潮汕农村金融发展。This paper analyzes the characteristics of farmers’financing behavior in Chaoshan area in the context of rural revitalization,and establishes a multivariate logistic model to empirically analyze the factors influencing farmers’financing channel selection using questionnaire data of farmers in Putian Town,Jiedong District,Jieyang.The study finds that farmers in Chaoshan area have certain financing needs at present,but the development of formal finance in rural Chaoshan is backward.Under the combined action of personal characteristics,family characteristics,clan relations and social capital,farmers prefer to use informal finance.Therefore,it is necessary to improve the service of formal financial institutions,promote farmers’financial literacy and standardize folk finance so as to advance the finance in rural Chaoshan.

关 键 词：农村金融 潮汕地区 乡村振兴 

分 类 号：F323[经济管理—产业经济]