中国流通经济
中國流通經濟
중국류통경제
China Business and Market
2011年
7期
99~103
,共null页
农户 信贷需求 Logit模型
農戶 信貸需求 Logit模型
농호 신대수구 Logit모형
rural households; credit demand; logit model
农户是中国农业经营的主体,也是农村金融市场的需求主体。农户的年龄与信贷需求（即是否发生信贷行为）之间为倒＂U＂型关系;农户家庭生命周期、受教育程度会在一定程度上影响信贷需求;农户的家庭收入、家庭规模、家庭负担率以及是否购买养老保险对农户的信贷需求有显著的正向影响。另外,以兼业农户为参照,纯农业农户对信贷行为有显著的正向影响,而非农业农户对信贷行为的正向影响并不显著。金融支农要根据农户需求特征提高农村金融资源配置效率,通过信贷制度创新解决农村信贷市场分割、交易成本过高和信息不对称等问题。
農戶是中國農業經營的主體,也是農村金融市場的需求主體。農戶的年齡與信貸需求（即是否髮生信貸行為）之間為倒＂U＂型關繫;農戶傢庭生命週期、受教育程度會在一定程度上影響信貸需求;農戶的傢庭收入、傢庭規模、傢庭負擔率以及是否購買養老保險對農戶的信貸需求有顯著的正嚮影響。另外,以兼業農戶為參照,純農業農戶對信貸行為有顯著的正嚮影響,而非農業農戶對信貸行為的正嚮影響併不顯著。金融支農要根據農戶需求特徵提高農村金融資源配置效率,通過信貸製度創新解決農村信貸市場分割、交易成本過高和信息不對稱等問題。
농호시중국농업경영적주체,야시농촌금융시장적수구주체。농호적년령여신대수구（즉시부발생신대행위）지간위도＂U＂형관계;농호가정생명주기、수교육정도회재일정정도상영향신대수구;농호적가정수입、가정규모、가정부담솔이급시부구매양로보험대농호적신대수구유현저적정향영향。령외,이겸업농호위삼조,순농업농호대신대행위유현저적정향영향,이비농업농호대신대행위적정향영향병불현저。금융지농요근거농호수구특정제고농촌금융자원배치효솔,통과신대제도창신해결농촌신대시장분할、교역성본과고화신식불대칭등문제。
Rural households are not only the principal part of agriculture operation in China,but also the main demanders of rural financial market.The relationship between age and credit demand of rural households likes an inverted ＂U＂ shape;the life cycle and education degree of rural households can affect the credit demand of them more or less;the income,size and the rate of farmer family burden and purchasing endowment insurance or not have the significant positive impact on the credit demand of rural households.On the other hand,the source of family＇s income can also affect the credit demand.If the peasants who engage in agriculture and non-agricultural business can be used as reference the peasants who only engage in agriculture have a positive impact,and the peasants who engage in non-agricultural business have a significant negative impact.
