农业经济与管理
農業經濟與管理
농업경제여관리
Fisheries Economy Research
2010年
5期
36~45
,共null页
农户 信贷可得性 Logistic模型
農戶 信貸可得性 Logistic模型
농호 신대가득성 Logistic모형
farm household; formal credit availability; Logistic model
农村金融市场普遍存在着农户“借款难”和金融机构“放款难”的两难局面。本文利用陕西省756户农户的调研数据，使用二分类Logistic模型来分析影响陕西省农户正规信贷可得性的因素，实证分析结果显示，被调查农户的文化程度、农户家庭年收入水平、是否购买农业保险、农信社对农户的信任水平以及农户违约后内疚程度对农户正规信贷可得性有显著的正效应；农户家庭负债水平、农户承担更大风险的意愿程度以及农户是否曾违约对农户正规信贷可得性有显著的负效应；被调查农户的年龄、农户的家庭总资产、耕地面积、家庭人口数，家中就读大学的子女数、是否有重病患者以及农业经营收入比例和农户支付更高利率的意愿对农户正规信贷可得性没有显著的影响。
農村金融市場普遍存在著農戶“藉款難”和金融機構“放款難”的兩難跼麵。本文利用陝西省756戶農戶的調研數據，使用二分類Logistic模型來分析影響陝西省農戶正規信貸可得性的因素，實證分析結果顯示，被調查農戶的文化程度、農戶傢庭年收入水平、是否購買農業保險、農信社對農戶的信任水平以及農戶違約後內疚程度對農戶正規信貸可得性有顯著的正效應；農戶傢庭負債水平、農戶承擔更大風險的意願程度以及農戶是否曾違約對農戶正規信貸可得性有顯著的負效應；被調查農戶的年齡、農戶的傢庭總資產、耕地麵積、傢庭人口數，傢中就讀大學的子女數、是否有重病患者以及農業經營收入比例和農戶支付更高利率的意願對農戶正規信貸可得性沒有顯著的影響。
농촌금융시장보편존재착농호“차관난”화금융궤구“방관난”적량난국면。본문이용합서성756호농호적조연수거，사용이분류Logistic모형래분석영향합서성농호정규신대가득성적인소，실증분석결과현시，피조사농호적문화정도、농호가정년수입수평、시부구매농업보험、농신사대농호적신임수평이급농호위약후내구정도대농호정규신대가득성유현저적정효응；농호가정부채수평、농호승담경대풍험적의원정도이급농호시부증위약대농호정규신대가득성유현저적부효응；피조사농호적년령、농호적가정총자산、경지면적、가정인구수，가중취독대학적자녀수、시부유중병환자이급농업경영수입비례화농호지부경고리솔적의원대농호정규신대가득성몰유현저적영향。
With the development of rural economy and the diversification in farm households operation, the capital demand of farmers is becoming more and more urgent. Meanwhile, the element of capital plays an increasingly prominent role in agriculture. However, there is a prevalent dilemma in rural financial markets in that many farm households have difficulty accessing the formal credit and in some cases rural financial institution has some problems to lend farmers. The main purpose of this paper was to present empirical findings about what and how factors influencing farm households accessed to formal credit. This paper employed a binary logistic regression model to examine whether and how the expected ＂soft＂ factors and ＂hard＂ factors impacted the formal credit availability to farm households. The results showed that education of farm, total household income, buying crop insurance or not, level of being trusted by RCC, and guilty level of default to RCC or bank impacted farm households formal credit availability significantly and positively. The results also showed that factors such as debt level of farm, willingness to take the risk, and if ever default to RCC or bank had significant and negative impacts on formal credit availability of farm households. In addition, age of farmers, assets value, farmland size, family size, the number of children in college or university, the percentage of income from agriculture and the willingness to pay higher interest rate had no significant impacts on accessing to formal credit. Based on survey findings and regression results, this paper gave policy suggestions to improve farm households ability to access to formal credit market.
