CAJ | 학술논문

小额贷款项目引入我国农村以来，其实施过程和绩效评估得到政界和学界的广泛关注。以我国东中西部贫困农户问卷调查数据为基础，通过多分类变量回归模型分析小额贷款项目类型、贷款额度等对项目经营状况的影响，发现：（1）小额贷款项目类型对项目经营状况影响显著，相比养殖业，从事种植和商贸业的农户盈利的概率较高；（2）贷款额度仅对项目持平影响显著，对项目盈利的影响不明显；（3）而贫困户主的年龄、技能等对项目经营状况均有显著影响，年龄对项目经营状况的影响表现出“间断性”，技能在项目盈利中表现出明显优势。
소액대관항목인입아국농촌이래，기실시과정화적효평고득도정계화학계적엄범관주。이아국동중서부빈곤농호문권조사수거위기출，통과다분류변량회귀모형분석소액대관항목류형、대관액도등대항목경영상황적영향，발현：（1）소액대관항목류형대항목경영상황영향현저，상비양식업，종사충식화상무업적농호영리적개솔교고；（2）대관액도부대항목지평영향현저，대항목영리적영향불명현；（3）이빈곤호주적년령、기능등대항목경영상황균유현저영향，년령대항목경영상황적영향표현출“간단성”，기능재항목영리중표현출명현우세。
Based on the questionnaire survey data on poor farmers, we use M-Logit classification variable regression model and analyze the influence of the project types and the amount of microcredit loan on the projects operating conditions. The research shows that： compared with the breeding industry , the planting and the tertiary ones in rural areas gain higher possibility in making profits, the amount of poverty alleviation loans has influenced the breaking-even points of the projects only and the impact on the project profitability is not obvious. This suggests that the amount of poverty alleviation loan does not contribute much to project performance and the householders＇ ages have a significant impact on the project profitability and display ＂discontinuity＂ in their influence on the project management conditions. Skills in project profit show obvious advantages.