新疆兵团农户借贷行为及其影响因素的实证研究

Empirical Study on Credit Behavior of Farmer and Its Impact Factor in Xinjiang Production and Construction Corps

本文以新疆兵团农户调查为基础,研究了在新疆兵团特殊的金融供给制度下农户借贷行为特征,并运用TOBIT模型对农户借贷行为的影响因素进行实证分析。研究结果表明:种植规模、农业支出、金融供给制度对农户正规借贷具有正向影响,而地区差异则对其具有负向影响;种植规模、非农业经营支出、家庭资产状况、子女教育支出、借款用途对农户非正规借贷具有正向影响,而非农业经营收入、受教育年限、社会关系则对其具有负向影响。

On the basis of the investigation about farmers from Xinjiang Production and Construction Corps（XPCC） ,this paper studies the characteristics of credit behavior of farmer under the special financial supply system of XPCC,and uses the TOBIT model to analyze empirically the impact factors of credit behavior of farmer. The results show that：cultivation scale,agricultural expenditure and finance supply system have positive impacts on formal credit of farmer,but regional difference have a negative impact;cultivation scale, non-agricultural production expenditure, family asset, education expense for children and loan application have positive impacts on the informal credit of farmer, but non-agricultural pro- duction income,education year and social relation have negative effects.