CAJ | 학술논문

本文利用判断抽样方法，定点选取了全国15个省份较贫困地区的1156户暂时性贫困型农户为对象，对贫困型农户信贷需求和信贷行为进行了调查分析，在此基础上，运用Probit模型，实证检验了贫困型农户信贷需求、正规和非正规借贷行为的影响因素。调查发现：绝大多数贫困型农户都有信贷需求，且以中短期小额需求为主，但实际发生借贷行为的贫困型农户较少，从正规金融机构获得过贷款的贫困型农户更少，金融需求满足率极低。实证结果表明：家庭耕地面积、年人均收入水平、固定资产价值、农业生产支出占比、教育支出占比对贫困型农户信贷需求具有显著影响。在众多可能的因素中，只有家庭耕地面积、农业生产支出占比对贫困型农户的正规信贷选择产生了重要影响。而家庭耕地面积、固定资产价值、农业生产支出占比是影响贫困型农户非正规借贷行为的重要因素。
본문이용판단추양방법，정점선취료전국15개성빈교빈곤지구적1156호잠시성빈곤형농호위대상，대빈곤형농호신대수구화신대행위진행료조사분석，재차기출상，운용Probit모형，실증검험료빈곤형농호신대수구、정규화비정규차대행위적영향인소。조사발현：절대다수빈곤형농호도유신대수구，차이중단기소액수구위주，단실제발생차대행위적빈곤형농호교소，종정규금융궤구획득과대관적빈곤형농호경소，금융수구만족솔겁저。실증결과표명：가정경지면적、년인균수입수평、고정자산개치、농업생산지출점비、교육지출점비대빈곤형농호신대수구구유현저영향。재음다가능적인소중，지유가정경지면적、농업생산지출점비대빈곤형농호적정규신대선택산생료중요영향。이가정경지면적、고정자산개치、농업생산지출점비시영향빈곤형농호비정규차대행위적중요인소。
Based on the judgment sampling, the paper selectes 1156 temporarily poverty peasant households from poor areas of 15 provinces in China, and investigates their credit demand and behavior. Also this paper examines the decisive factors of credit demand, formal and non-formal credit behavior with Probit model. The survey shows that poor farmers have credit demand universally, and its primary features are short or medium term and small quantity. But the proportion of them who have credit behavior is very low and the number of them who have got loans from regular financial institutions is less. The satisfaction rate of credit demand is extremely low. Therefore, the empirical analysis conclusions are as follows ： Land acreage of family, per capital annual income of family, the value of fixed assets, the proportion of agricultural production and education expenditure have sig- nificant effect on the poor farmers＇ credit demand. But only land acreage of family and the proportion of agricul- tural production expenditure have an important influence on the poor farmers＇ formal credit behavior. Land acreage of family, the value of fixed assets and the proportion of agricultural production are important influencing factors of the non-formal credit behavior of poor farmers.