CAJ | 학술논문

农户金融合作意愿是农户金融合作需求的潜在表现,决定了农村合作金融制度的有效性。运用二元logistic选择模型,利用西部五省1 156户农户调查数据对我国西部地区农户金融合作意愿及其影响因素做抽样实证研究,发现西部地区农户具有强烈的金融合作意愿,超过50%农户意愿参与金融合作;个体特征、声誉、交易成本及信用社满意度四个维度中农户年龄、农户人缘关系、偿还历史、与银行距离、银行等待时间以及农户对信用社制度认同度变量对农户金融合作意愿有显著正向影响。在构建多层次、多元化农村金融组织体系中合作金融仍是重要补充;构建多层次、覆盖面广的农户金融合作担保体系,引导合作金融组织开展相应担保贷款业务有助于推动农村合作金融组织健康快速的发展。
농호금융합작의원시농호금융합작수구적잠재표현,결정료농촌합작금융제도적유효성。운용이원logistic선택모형,이용서부오성1 156호농호조사수거대아국서부지구농호금융합작의원급기영향인소주추양실증연구,발현서부지구농호구유강렬적금융합작의원,초과50%농호의원삼여금융합작;개체특정、성예、교역성본급신용사만의도사개유도중농호년령、농호인연관계、상환역사、여은행거리、은행등대시간이급농호대신용사제도인동도변량대농호금융합작의원유현저정향영향。재구건다층차、다원화농촌금융조직체계중합작금융잉시중요보충;구건다층차、복개면엄적농호금융합작담보체계,인도합작금융조직개전상응담보대관업무유조우추동농촌합작금융조직건강쾌속적발전。
The farm household＇s willingness for banking cooperation,an expression of their potential need for the service,determines the efficiency of the rural cooperative banking system. An empirical sampling study was made about the northwestern farm household＇s willingness for banking cooperation and its attributive elements with the investigative data from 1 156 farm households by a model of binary logistic choice. The study finds that farm households in the area have a strong willing for banking cooperation,50% of whom want to join in banking cooperation. The investigative data show that,among the four dimensions： individual characteristic,social reputation,exchange cost and satisfaction with the rural credit cooperative,the variables such as the age,network,history of repayment,distance from the bank,waiting time in the bank,and identification with the rural credit cooperative system of farm households show prominent positive effects. In order to construct a multilevel and popular guarantee system of farm household banking cooperation,the banking cooperative organization should be directed to introduce corresponding loan guarantee service to help enhance healthy and rapid development of rural cooperative banking organizations.