农户民间借贷需求影响因素的实证研究——以湘北234户农户的调查为例

On Factors Influencing Informal Borrowing Decisions——A case study of 234 rural households in north Hunan

通过对我国农业大省——湖南省华容县和安乡县农户的问卷调查,运用Tobit模型对农户借贷需求的影响因素进行实证研究。研究结果表明:农户的收入水平和农业生产支出对农户民间借贷需求具有显著的负向影响,而农户的非农业生产支出和文化教育支出对农户民间借贷需求则具有显著的正向影响。

The paper uses Tobit model to analyze factors influencing informal borrowing decisions of rural households via carrying out a survey in Huarong county and Anxiang county of Hunan Province. The result shows that factors including income level and agriculture productive expenditure have significant negative effect on the informal borrowing decisions of the rural households and non- agriculture productive expenditure and educational expenditure have significant positive effect on the informal borrowing decisions.