信贷约束下农户借贷需求行为的实证研究

Empirical Research on the Farmer's Borrowing and Debiting Demand Behavior under the Credit Restriction

本文以Iqbal模型框架为基础,利用1962户农户调查数据,对利率的外生性、农户借贷发生率、农户借贷需求规模方面进行了数理分析,结论认为,农村金融市场的利率是外生的,利率并不是农户借贷的主要考虑因素,农户家庭收入、生产经营特征和家庭特征是农户借贷需求行为的决定因素。

Based on the frame of Iqbal model, by utilizing investigation data for 1962 farmers, the paper carries through mathematical analysis on farmer's behavior of borrowing and debit rising in the aspects of interest rate exogeneity,farmer's originating rate of borrowing and debit rising, and the scale of farmers' borrowing and debiting demand. Conclusions are that the interest rate for rural financing market is exogenic, the interest rate is not the main factor considered by the farmer when they borrow or rise debit, the determinant factors affecting farmers' borrowing and debit rising behavior are farmer's family income, characteristic of production management, and characteristic of the family