CAJ | 학술논문

以农村工业化程度较高的浙江省为例，文章利用描述性统计与基于面板差分数据的Poisson和logit模型，考察了始于2003年的农信社改革对农户借贷行为的影响，得出如下的结论：尽管从总体来看，农信社改革增加了农村金融资源的供给，并降低了农户向农信社借贷的交易成本，但改革对不同从业类型农户的效果差异较大，即改革为从事非农产业农户提供了更大的便利。虽然这种差异性有助于二元转型的完成，但这也似乎表明农信社改革仍未较好地体现其区别于一般商业银行的、可以充分利用区域内社会资本获取放贷信息的合作化主旨，因而对主要从事农业的农户来说，更好地满足其资金需求还需要借助于农信社的进一步改革或农村金融体系的更深层次的重构。
이농촌공업화정도교고적절강성위례，문장이용묘술성통계여기우면판차분수거적Poisson화logit모형，고찰료시우2003년적농신사개혁대농호차대행위적영향，득출여하적결론：진관종총체래간，농신사개혁증가료농촌금융자원적공급，병강저료농호향농신사차대적교역성본，단개혁대불동종업류형농호적효과차이교대，즉개혁위종사비농산업농호제공료경대적편리。수연저충차이성유조우이원전형적완성，단저야사호표명농신사개혁잉미교호지체현기구별우일반상업은행적、가이충분이용구역내사회자본획취방대신식적합작화주지，인이대주요종사농업적농호래설，경호지만족기자금수구환수요차조우농신사적진일보개혁혹농촌금융체계적경심층차적중구。
Taking Zhejiang province with higher degree of rural industrialization as an example, the paper explores the effects of RCC reform on loan behaviors of rural households by using statistic method and the Poisson- Logit model. As a whole, RCC reform increases financial resources in rural areas and reduces the transaction costs of RCC loans of rural households. But RCC reform has different effects on rural households in agriculture and non-agriculture. It provides more helps for rural households in non-agricultural industry. Although the differentiation above is beneficial to the transition of dualistic structure, RCC reform hasn＇t completely embodied its corporate theme which aims at making use of social capital in certain areas and gaining credit information. Therefore, it should deepen RCC reform or reconstruct rural financial system to better meet the financing needs of rural households in agriculture.