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农户借贷行为及其福利效果分析 被引量:194

Studies on the Borrowing Behavior of Rural Households and Welfare Effects
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摘要 本文研究分析了农户借贷行为及其对收入和福利状况的影响。研究发现 :受教育年限、土地规模、非农收入、所在村庄的发展水平和同一村庄其他竞争农户的特征对特定农户的借款数额都具有显著的影响 ;此外 ,农产品的价格对农户借款数额也具有显著的影响 ,产粮区的农户获取借款的难度明显比其它地区的农户大得多 ;借款对农户纯收入和福利状况在统计上有很显著的影响。 Using recent survey data of Chinese rural households, we have attempted to analyze the borrowing behavior of rural households, and estimate the impact of credit on rural household welfare. Results reveal that education, land scale, non-agrarian income, village status, the characteristics of the competitors in the same village, and the average price of some kinds of agricultural products have statistically significant impact on the amount of borrowing of rural households, and the credit also has statistically significant impact on the net-income and the welfare of rural households, especially poor rural households.
作者 李锐 李宁辉
出处 《经济研究》 CSSCI 北大核心 2004年第12期96-104,共9页 Economic Research Journal
基金 科研院所社会公益研究专项资金资助的研究项目"粮食主产区农民收入动态监测"的一部分
关键词 农户 福利 借款 非农收入 借贷行为 产粮区 农产品 数额 村庄 特定 Rural Household Borrowing Behavior Welfare Effects
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参考文献10

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  • 2朱玲.《乡村金融机构运作和农业中长期信贷》[A]..《农村金融与信贷政策》[C].中国农业出版社,2001..
  • 3张新民 等.《农户借贷收人与长期投人增长的不对称性》[A]..《农村金融与信贷政策》[C].中国农业出版社,2001..
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