中国流通经济
中國流通經濟
중국류통경제
China Business and Market
2015年
5期
107~112
,共null页
农户贷款 贷款金额 影响因素 农村信用社
農戶貸款 貸款金額 影響因素 農村信用社
농호대관 대관금액 영향인소 농촌신용사
farmers’loan;loan amount;factor;rural credit cooperative
通过建立多元线性回归模型，利用福建省农村信用社联合社的农户贷款抽样数据，对影响农户贷款金额的因素进行实证分析发现，贷款种类、贷款人受教育程度对农户贷款金额大小具有显著影响；贷款投向、是否有房产、信用等级对农户保证贷款金额大小具有显著影响；月利率、贷款投向、借款人受教育程度、是否有房产对农户抵押贷款金额大小具有显著影响，且随着农村农业的发展，农户贷款不再仅仅局限于小额贷款。总之，随着农村经济社会的发展，农户贷款的特点也逐渐发生着变化。因此，对农户贷款的分析不能一刀切，要分别对农户保证贷款、抵押贷款、信用贷款进行研究，根据农户贷款种类特点的不同以及贷款金额影响因素的不同，加强分类指导，从而提高农户贷款的针对性和有效性，更好地满足农户贷款需求，防范农户贷款风险，促进农村金融的健康发展，推动农业现代化。
通過建立多元線性迴歸模型，利用福建省農村信用社聯閤社的農戶貸款抽樣數據，對影響農戶貸款金額的因素進行實證分析髮現，貸款種類、貸款人受教育程度對農戶貸款金額大小具有顯著影響；貸款投嚮、是否有房產、信用等級對農戶保證貸款金額大小具有顯著影響；月利率、貸款投嚮、藉款人受教育程度、是否有房產對農戶牴押貸款金額大小具有顯著影響，且隨著農村農業的髮展，農戶貸款不再僅僅跼限于小額貸款。總之，隨著農村經濟社會的髮展，農戶貸款的特點也逐漸髮生著變化。因此，對農戶貸款的分析不能一刀切，要分彆對農戶保證貸款、牴押貸款、信用貸款進行研究，根據農戶貸款種類特點的不同以及貸款金額影響因素的不同，加彊分類指導，從而提高農戶貸款的針對性和有效性，更好地滿足農戶貸款需求，防範農戶貸款風險，促進農村金融的健康髮展，推動農業現代化。
통과건립다원선성회귀모형，이용복건성농촌신용사연합사적농호대관추양수거，대영향농호대관금액적인소진행실증분석발현，대관충류、대관인수교육정도대농호대관금액대소구유현저영향；대관투향、시부유방산、신용등급대농호보증대관금액대소구유현저영향；월리솔、대관투향、차관인수교육정도、시부유방산대농호저압대관금액대소구유현저영향，차수착농촌농업적발전，농호대관불재부부국한우소액대관。총지，수착농촌경제사회적발전，농호대관적특점야축점발생착변화。인차，대농호대관적분석불능일도절，요분별대농호보증대관、저압대관、신용대관진행연구，근거농호대관충류특점적불동이급대관금액영향인소적불동，가강분류지도，종이제고농호대관적침대성화유효성，경호지만족농호대관수구，방범농호대관풍험，촉진농촌금융적건강발전，추동농업현대화。
According to the farmer’s loan sampling data of Rural Credit Cooperatives of Fujian Province,the authors employ logistic model to analyze the factors that affect farmers’loan amount. Research shows that the loan type and the educational status of borrowers have a significant effect on farmers’loan amount;loan distribution,real estate,and credit level have a significant effect on loan amount of farmer’s guarantee loans;monthly interest rate,loan distribution,educational status of borrowers,and real estate have a significant effect of loan amount of farmer’s mortgage loan. At the same time,with the rural agriculture development,not all of farmers’loans are small. The authors find that some farmers’loan amount are large. So, while analyzing the farmer loan,the authors carry out study on farmers’guarantee loan,mortgage loan and loan on credit respectively. According to characteristic of different farmer loan type and different affecting factors of loan amount,we should enhance the guidance on classification to improve pertinence and effectiveness of farmers’loan,better meet the farmers’demand of loans and avoid risk of farmer’loan,and promote the healthy development of the rural finance and agriculture modernization.
