华南农业大学学报：社会科学版
華南農業大學學報：社會科學版
화남농업대학학보：사회과학판
Journal of South China Agricultural University(Social Science Edition)
2013年
4期
35~40
,共null页
人力资本 就业状况 农民工 信贷需求 信贷途径
人力資本 就業狀況 農民工 信貸需求 信貸途徑
인력자본 취업상황 농민공 신대수구 신대도경
human capital; employment status ; farmer workers ; credit demand ; credit pathway
基于宁波市农民工金融行为问卷调查的数据，从人力资本、就业状况视角对农民工信贷需求、途径的影响因素进行了计量分析。结果表明：性别、年龄、累计务工年限和就业方式对农民工信贷需求具有显著影响，其他因素对农民工信贷需求不具有显著影响；性别、年龄、累计务工年限和收入对农民工正规信贷途径有显著影响，其他因素对农民工正规信贷途径不具有显著影响。在对结果进行解释之后，提出了主要结论和对策建议。
基于寧波市農民工金融行為問捲調查的數據，從人力資本、就業狀況視角對農民工信貸需求、途徑的影響因素進行瞭計量分析。結果錶明：性彆、年齡、纍計務工年限和就業方式對農民工信貸需求具有顯著影響，其他因素對農民工信貸需求不具有顯著影響；性彆、年齡、纍計務工年限和收入對農民工正規信貸途徑有顯著影響，其他因素對農民工正規信貸途徑不具有顯著影響。在對結果進行解釋之後，提齣瞭主要結論和對策建議。
기우저파시농민공금융행위문권조사적수거，종인력자본、취업상황시각대농민공신대수구、도경적영향인소진행료계량분석。결과표명：성별、년령、루계무공년한화취업방식대농민공신대수구구유현저영향，기타인소대농민공신대수구불구유현저영향；성별、년령、루계무공년한화수입대농민공정규신대도경유현저영향，기타인소대농민공정규신대도경불구유현저영향。재대결과진행해석지후，제출료주요결론화대책건의。
Based on the survey on financial behavior of 650 farmers in Ningbo, the paper conducts quan- titative analysis on the influence factors of farmer workers＇ credit demand and credit pathway from the per- spectives of human capital and employment status. The result shows that gender, age, accumulated work- ing years and way of employment have a significant impact on credit demand of farmer workers while other factors do not have significant influence. Gender, age, accumulated working years and income have a significant impact on formal credit of farmer workers, while other factors have no significant impact. Ex- planations were made on the results, the paper draws the main conclusions and put forward policy recom- mendations.
