财经论丛
財經論叢
재경론총
COLLECTED ESSAYS ON FINANCE AND ECONOMICS
2014年
5期
30-36
,共7页
邓锴%霍婷洁%孔荣
鄧鍇%霍婷潔%孔榮
산개%곽정길%공영
农民工%工资性收入%收入稳定性%信贷需求
農民工%工資性收入%收入穩定性%信貸需求
농민공%공자성수입%수입은정성%신대수구
migrant worker%wage income%stability of income%credit demand
本文依据陕西、山西两省538份调查问卷,采用有序-二元logistic二阶段模型,量化研究了农民工收入稳定性及其对农户信贷需求的影响。结果表明,农民工工作技术含量、务工年限对农户信贷需求有显著负向影响;农民工近两年换行业次数对农户信贷需求有显著正向影响;工资性收入不稳定的农户较工资性收入稳定的农户贷款意愿更强烈。
本文依據陝西、山西兩省538份調查問捲,採用有序-二元logistic二階段模型,量化研究瞭農民工收入穩定性及其對農戶信貸需求的影響。結果錶明,農民工工作技術含量、務工年限對農戶信貸需求有顯著負嚮影響;農民工近兩年換行業次數對農戶信貸需求有顯著正嚮影響;工資性收入不穩定的農戶較工資性收入穩定的農戶貸款意願更彊烈。
본문의거협서、산서량성538빈조사문권,채용유서-이원logistic이계단모형,양화연구료농민공수입은정성급기대농호신대수구적영향。결과표명,농민공공작기술함량、무공년한대농호신대수구유현저부향영향;농민공근량년환행업차수대농호신대수구유현저정향영향;공자성수입불은정적농호교공자성수입은정적농호대관의원경강렬。
Based on data of 538 questionnaires , the paper analyzes with the Dual-logistic Regression model the correla-tion between rural migrant workers ’ income stability and their credit demand .It is found that the technical content of the workers ’ jobs and their working terms have a negative effect on their credit demand while the mid -variable of job-change times in the recent 2 years has a positive effect .It means the credit demand of workers with stable wage income is lower than that of workers with unstable wage income .