CAJ | 학술논문

以陕西省309个农户为样本,基于结构方程模型,研究农户金融联结行为与金融联结效率的互动效应,并分析影响农户金融联结行为和金融联结效率的主要因素。结果表明：农户的联结行为和联结效率之间存在显著的相互促进关系;农户的年龄和教育程度与联结行为呈正相关关系;农户对正规金融机构的评价与农户联结行为呈反向关系;农户的种植面积、农业收入占比、社会资本、对专业合作社的评价与联结行为及联结效率均呈明显的正相关关系;农户对专业合作社服务功能的认可是金融联结成功的关键所在。
이합서성309개농호위양본,기우결구방정모형,연구농호금융련결행위여금융련결효솔적호동효응,병분석영향농호금융련결행위화금융련결효솔적주요인소。결과표명：농호적련결행위화련결효솔지간존재현저적상호촉진관계;농호적년령화교육정도여련결행위정정상관관계;농호대정규금융궤구적평개여농호련결행위정반향관계;농호적충식면적、농업수입점비、사회자본、대전업합작사적평개여련결행위급련결효솔균정명현적정상관관계;농호대전업합작사복무공능적인가시금융련결성공적관건소재。
Based on the data of 309 farmers of Shaanxi Province, this paper investigates the interaction between farmers＇ linkage behavior and financial linkage efficiency based on the structural equation model, and analyzes the main factors influencing farmers＇ linkage behavior and linkage efficiency. The study indi- cates that there exists mutual promotion relationship between linkage behavior and linkage efficiency of farmers; and variables such as age, education of farmers have significantly positive influence on farmers＇ linkage behavior, while farmers＇ evaluation of formal financial institutions has negative influence on farm- ers＇ linkage behavior; there is a positive relation between farmers ＂ planting area, agricultural income propor- tion, social capital, the evaluation of the cooperatives and linkage behavior, financial linkage efficiency; and farmers＇approval of cooperatives service function is the key to financial linkage＇s success.