当代经济科学
噹代經濟科學
당대경제과학
Modern Economic Science
2011年
5期
27~33
,共null页
农户 信贷需求 Logistic模型
農戶 信貸需求 Logistic模型
농호 신대수구 Logistic모형
Rural Households ; Credit Demand ; Logistic Model
本文基于来自中国12个省（市）3051户农户家庭的实地调查数据，运用Logistic模型实证研究了农户信贷需求及其影响因素。研究结果表明，样本农户的年龄与信贷需求之间成倒“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，农户从事的经济活动类型也会对农户的信贷需求产生影响，以兼业农户为参照，纯农业农户对信贷需求有显著的正向影响，而非农业农户对信贷需求有显著的负向影响。
本文基于來自中國12箇省（市）3051戶農戶傢庭的實地調查數據，運用Logistic模型實證研究瞭農戶信貸需求及其影響因素。研究結果錶明，樣本農戶的年齡與信貸需求之間成倒“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，農戶從事的經濟活動類型也會對農戶的信貸需求產生影響，以兼業農戶為參照，純農業農戶對信貸需求有顯著的正嚮影響，而非農業農戶對信貸需求有顯著的負嚮影響。
본문기우래자중국12개성（시）3051호농호가정적실지조사수거，운용Logistic모형실증연구료농호신대수구급기영향인소。연구결과표명，양본농호적년령여신대수구지간성도“u”형관계；농호가정생명주기、수교육정도회재일정정도상영향신대수구；농호적가정수입、가정규모、가정부담솔이급시부구매양로보험대농호적신대수구유현저적정향영향。령외，농호종사적경제활동류형야회대농호적신대수구산생영향，이겸업농호위삼조，순농업농호대신대수구유현저적정향영향，이비농업농호대신대수구유현저적부향영향。
Rural households are not only the principal part of agriculture, but also the main demanders of rural financial market. The interpretation of the characteristics, behaviors and living environments of rural households in China is the foundation of the discussion on rural financial problems. This paper studies the credit demands and behaviors of rural households based on survey data from 3051 rural households in 12 prov- inces, municipalities or autonomous regions and investigates the factors affecting the credit demands of rural households with Logistic model. We conclude that age and credit demand of farmers show a reversed ＂U＂ pat- tern, that the life cycle and education of farmer family can more or less affect the credit demand of farmer, and that the income, size and labor force burden rate of farmer family and endowment insurance adoption have sig- nificantly positive impact on the credit demand of farmers.
