CAJ | 학술논문

本文基于来自中国12省市的农户家庭信贷的微观数据，运用Probit模型实证分析了在正规金融渠道与非正规金融渠道相互独立和相互影响下，高收入与低收入农户信贷渠道选择行为的影响因素，解析中国农村二元金融结构特征下的农户分层信贷渠道选择行为。本文研究发现，家庭特征、经济特征以及金融生态环境对高收入与低收入农户信贷渠道的选择行为有着不同的影响。基于经验研究的基础上，提出中国二元金融结构特征下的深化农村金融改革的政策建议。
본문기우래자중국12성시적농호가정신대적미관수거，운용Probit모형실증분석료재정규금융거도여비정규금융거도상호독립화상호영향하，고수입여저수입농호신대거도선택행위적영향인소，해석중국농촌이원금융결구특정하적농호분층신대거도선택행위。본문연구발현，가정특정、경제특정이급금융생태배경대고수입여저수입농호신대거도적선택행위유착불동적영향。기우경험연구적기출상，제출중국이원금융결구특정하적심화농촌금융개혁적정책건의。
Based on the survey data collected from 12 provinces （municipalities） in China, the empirical study on the impact factors of the Credit Channels Choice Behaviors of high-income and low-income rural households is made by using of Probit model under the conditions that the formal and informal Credit Channels are dependent and independent respectively, in order to investigate the credit channels choice behavior of rural households in the Financial Dualism environment from the stratified view. The study concludes that household characteristics, economic characteristics and Finance Environment have different impacts on the Credit Channels Choice Behaviors of high-income and low-income rural households. Based on this empirical study, some policy recommendations for promoting rural financial reform in Chinese Financial Dualism environment are put forward in this paper.