农户借贷行为及其福利效果分析

Studies on the Borrowing Behavior of Rural Households and Welfare Effects

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.