财经论丛
財經論叢
재경론총
Collected Essays On Finance and Economics
2011年
3期
78~84
,共null页
农户 借贷行为 Logit模型
農戶 藉貸行為 Logit模型
농호 차대행위 Logit모형
rural household ; borrowing behavior; logit model
诠释农户的性质、行为及其生存环境是讨论我国农村金融问题的逻辑起点,本文运用二元选择模型,利用农户调查问卷得到的数据对西部地区农户借贷行为的影响因素进行了实证研究。得出以下结论：个人与家庭特征、经济特征、环境特征均是影响西部地区农户借贷行为的因素,尤其是农户的家庭年收入、农户的家庭规模、家庭主要支出、户主年龄、家庭劳动负担率、2008年是否发生重大事件等因素对农户借贷行为的影响具有非常显著的作用。
詮釋農戶的性質、行為及其生存環境是討論我國農村金融問題的邏輯起點,本文運用二元選擇模型,利用農戶調查問捲得到的數據對西部地區農戶藉貸行為的影響因素進行瞭實證研究。得齣以下結論：箇人與傢庭特徵、經濟特徵、環境特徵均是影響西部地區農戶藉貸行為的因素,尤其是農戶的傢庭年收入、農戶的傢庭規模、傢庭主要支齣、戶主年齡、傢庭勞動負擔率、2008年是否髮生重大事件等因素對農戶藉貸行為的影響具有非常顯著的作用。
전석농호적성질、행위급기생존배경시토론아국농촌금융문제적라집기점,본문운용이원선택모형,이용농호조사문권득도적수거대서부지구농호차대행위적영향인소진행료실증연구。득출이하결론：개인여가정특정、경제특정、배경특정균시영향서부지구농호차대행위적인소,우기시농호적가정년수입、농호적가정규모、가정주요지출、호주년령、가정노동부담솔、2008년시부발생중대사건등인소대농호차대행위적영향구유비상현저적작용。
The empirical study about the factors that impact the rural household credit and debit behavior is made in the paper based on the survey data collected in west China. The conclusion is as following ： characteristic of individual and household, economic feature and environment characteristic are the important factors that affect the rural household credit and debit behavior in west China. In these factors, especially rural household income, size of rural household, expenses of household, age of head of household, labor burden rate of household and whether an important event happens in 2008 contribute to the rural household credit and debit behavior remarkably.
