CAJ | 학술논문

笔者利用2006年～2010年农村固定观察点的数据,分析正规借贷与民间借贷对农户生产和消费影响,得出以下结论：无论是正规借贷还是民间借贷对农户的生产和消费都具有显著影响,尤其是民间借贷对农户生产和消费的影响远远大于正规借贷的影响,但正规借贷对农户消费具有负向效应。正规借贷对农户生产的影响具有地区差异性,民间借贷对农户生产的影响不具有地区差别性。民间借贷对农户消费的影响具有地区差异性,正规借贷对农户消费的影响不具有地区差异性。
필자이용2006년～2010년농촌고정관찰점적수거,분석정규차대여민간차대대농호생산화소비영향,득출이하결론：무론시정규차대환시민간차대대농호적생산화소비도구유현저영향,우기시민간차대대농호생산화소비적영향원원대우정규차대적영향,단정규차대대농호소비구유부향효응。정규차대대농호생산적영향구유지구차이성,민간차대대농호생산적영향불구유지구차별성。민간차대대농호소비적영향구유지구차이성,정규차대대농호소비적영향불구유지구차이성。
By using the farmers＇ micro panel data of 2006-2010 rural fixed observation point, the paper analyzes the impacts of formal credit and informal credit on the farmers＇ production and consumption with the following conclusion： either the formal credit or informal credit has significant impacts on farmers＇ production and consumption. The impacts of informal credit on the farmer＇ s production and consumption are far greater than that of formal credit. However, the formal credit has negative effect on the farmers＇ consumption. The impacts of formal credit on the farmers＇ production have regional differences. The impacts of informal credit on the farmers＇ production do not have regional differences. The impacts of informal credit on the farmers＇ consumption have regional differences. The impacts of formal credit on the farmers＇ consumption do not have regional differences.