金融研究
金融研究
금융연구
Journal of Financial Research
2007年
08A期
167~181
,共null页
农户金融行为 融资需求 融资意愿 Probit模型 融资制度需求
農戶金融行為 融資需求 融資意願 Probit模型 融資製度需求
농호금융행위 융자수구 융자의원 Probit모형 융자제도수구
financing behavior of rural households, financing demand, financing aspiration, Probit modal, financing institutions requirement
本文通过对湖北省天门市农户基本金融行为与融资需求的实证研究表明:(1)农户的基本金融行为与信贷需求之间尚没有建立应有的联系,农户对资金的需求不足,少量的小额度贷款主要由私人借贷满足;(2)农户的信用意识十分强烈,但信用表现却不容乐观,金融参与意识较弱,对现行的融资制度缺乏认知和利用的兴趣;(3)影响农户的融资意愿和实际的贷款数量的因素有:耕地面积、经济活动类型、年龄和文化程度,其中耕地面积、经济活动类型的影响力最大。以上研究结果折射出农户对融资制度的需求指向是:正式融资制度是满足农户融资需求最重要的制度安排;消费信贷制度是农户需求的主体;农户需要市场化的融资制度。
本文通過對湖北省天門市農戶基本金融行為與融資需求的實證研究錶明:(1)農戶的基本金融行為與信貸需求之間尚沒有建立應有的聯繫,農戶對資金的需求不足,少量的小額度貸款主要由私人藉貸滿足;(2)農戶的信用意識十分彊烈,但信用錶現卻不容樂觀,金融參與意識較弱,對現行的融資製度缺乏認知和利用的興趣;(3)影響農戶的融資意願和實際的貸款數量的因素有:耕地麵積、經濟活動類型、年齡和文化程度,其中耕地麵積、經濟活動類型的影響力最大。以上研究結果摺射齣農戶對融資製度的需求指嚮是:正式融資製度是滿足農戶融資需求最重要的製度安排;消費信貸製度是農戶需求的主體;農戶需要市場化的融資製度。
본문통과대호북성천문시농호기본금융행위여융자수구적실증연구표명:(1)농호적기본금융행위여신대수구지간상몰유건립응유적련계,농호대자금적수구불족,소량적소액도대관주요유사인차대만족;(2)농호적신용의식십분강렬,단신용표현각불용악관,금융삼여의식교약,대현행적융자제도결핍인지화이용적흥취;(3)영향농호적융자의원화실제적대관수량적인소유:경지면적、경제활동류형、년령화문화정도,기중경지면적、경제활동류형적영향력최대。이상연구결과절사출농호대융자제도적수구지향시:정식융자제도시만족농호융자수구최중요적제도안배;소비신대제도시농호수구적주체;농호수요시장화적융자제도。
The results of empirical analysis on Rural households' basic financing behaviors and demand in Tianmen city, Hubei province are as follows : ( 1 ) It doesn' t exist relationship between rural households' basic financing behavior and demand, rural households' capital demand is insufficient and minor loans mainly come from private credit. (2)Rural households' credit consciousness is very strong but credit display is very barely, lacking consciousness of taking part in finance, lacking knowledge and interest of finance system in operation. (3) The factors that affect rural households' financing desire and borrowing are cultivated land, type of economy activities, age, and cultural level, and the most important factors are the two former. The results present that the requiring of the rural households' financing institutions are as follows : formal financing institutions, consuming financing institutions and marking financing institutions are the most important for the rural households.