乡镇经济
鄉鎮經濟
향진경제
Rural Economy
2009年
2期
110~114
,共null页
农户 信贷行为 影响因素 logistic
農戶 信貸行為 影響因素 logistic
농호 신대행위 영향인소 logistic
peasant household; credit behavior; affecting factors; logistic
农户是农村经济结构中最基本的经济单位和最直接的参与者，其行为直接关系到农村金融安排支持农村经济发展的效果。文章以二元Logistic模型为基础，利用220户农户调查数据，对农户从农信社贷款可得性的影响因素进行了实证分析，研究表明，影响农户信贷可得性的因素主要包括农户内在性因素和农信社外在性因素，其中，农户家庭年收入、户主对农信社的了解和有无借贷经历等内因性因素对农户信贷可得性的影响显著为正，农信社贷款额度、贷款效率等外因性因素对农户信贷可得性的影响分别显著为负和正。
農戶是農村經濟結構中最基本的經濟單位和最直接的參與者，其行為直接關繫到農村金融安排支持農村經濟髮展的效果。文章以二元Logistic模型為基礎，利用220戶農戶調查數據，對農戶從農信社貸款可得性的影響因素進行瞭實證分析，研究錶明，影響農戶信貸可得性的因素主要包括農戶內在性因素和農信社外在性因素，其中，農戶傢庭年收入、戶主對農信社的瞭解和有無藉貸經歷等內因性因素對農戶信貸可得性的影響顯著為正，農信社貸款額度、貸款效率等外因性因素對農戶信貸可得性的影響分彆顯著為負和正。
농호시농촌경제결구중최기본적경제단위화최직접적삼여자，기행위직접관계도농촌금융안배지지농촌경제발전적효과。문장이이원Logistic모형위기출，이용220호농호조사수거，대농호종농신사대관가득성적영향인소진행료실증분석，연구표명，영향농호신대가득성적인소주요포괄농호내재성인소화농신사외재성인소，기중，농호가정년수입、호주대농신사적료해화유무차대경력등내인성인소대농호신대가득성적영향현저위정，농신사대관액도、대관효솔등외인성인소대농호신대가득성적영향분별현저위부화정。
he peasant household is the basic economic units and direct participator in the rural whose behavior influences the effect of rural finance supporting the development of rural economy. Based on the logistic model, by utilizing investigation data for 220 peasant households, analyzing the affecting factors of the successful probability of the credit for the peasant household in RCCS, the conclusion indicates： the credit for the peasant household successful probability of affecting factors includes the peasant household＇s internal factors and the RCCS＇s external factors, thereinto, the peasant household＇s annual earning,the peasant household understands the extent of the RCCS and the experience of debit and credit in RCCS have the positive influence, the loan＇s quantity has the negative influence and the loan＇s efficiency has the positive influence.
