浙江省农户获得贷款影响因素的实证分析

Factors Affecting the Availability of Credit for Zhejiang Province Farmers:An Empirical Study

利用317份浙江农户调查数据,采用二元Logit模型研究了影响农户是否获得贷款(贷款意愿)的因素。发现城郊农户更倾向于贷款;年龄越大,农户越不倾向于贷款;农业收入越多,越倾向于贷款;参加合作社的农户比不参加合作社的农户更倾向于贷款。从影响程度看,农业收入对农户是否贷款决策的影响大于年龄的影响。性别,教育年限,是否外出打工,劳动力数量,学生人数,总收入,总面积,主要收入来源是否为农业等变量系数不显著。

This thesis used the 317 household survey data of Zhejiang province of China to set up a Logit model to study factors affecting the availability of credit for farmers. The results showed that suburb farmers, younger farmers, richer farmers and farmers who were members of co -op could get credit more easily. Farm income played a more important role in whether farmers get credit or not than age. Sex, education, offfarm experience, labor, education fee, total income, hectare tilled, income source were insignificant.