CAJ | 학술논문

本文基于山东省573户农户6年贷款数据全面系统研究农户贷款行为的发展规律及其影响因素。结果表明，衣户性质、性别、区域、年龄、教育、家庭人口、家庭劳动力、家庭田地亩数均对农户贷款行为有不同层面的影响；家庭总资产、家庭纯收入对农户贷款行为有极为显著的影响，且有正，有负；家庭总负债对农户贷款行为的影响只在部分核心要素中影响显著；但值得注意的是社会资源的多少对农户贷款行为各个方面均有极为显著的预测作用，说明在非常注重社会关系的中国社会，拥有社会资源的多与少直接影响到农户的货款行为。
본문기우산동성573호농호6년대관수거전면계통연구농호대관행위적발전규률급기영향인소。결과표명，의호성질、성별、구역、년령、교육、가정인구、가정노동력、가정전지무수균대농호대관행위유불동층면적영향；가정총자산、가정순수입대농호대관행위유겁위현저적영향，차유정，유부；가정총부채대농호대관행위적영향지재부분핵심요소중영향현저；단치득주의적시사회자원적다소대농호대관행위각개방면균유겁위현저적예측작용，설명재비상주중사회관계적중국사회，옹유사회자원적다여소직접영향도농호적화관행위。
In this paper, we study the development law of loan behavior of 573 peasant households in Shandong province based on 6 years loan data and its influencing factors. The results show that household type, gender, region, age, education, family population, family labor, family land have a different influence on farmers＇ loan behavior; the total assets of the farmers＇ family, net income of farmers have a significant influence on farmers＇ loan behavior, some are positive, some are negative; the influence of liabilities of farmers＇ have a significant influence on farmers＇ loan behavior only in the part of the core elements; but it is worth noting that the social resources of peasant households are extremely significant predictive effect on farmers＇ loan behavior, which means in Chinese society that pay more attention to social relations, the farmers＇ social resources more or less directly affect the loan behavior of peasant household.