贫困地区农户的正规信贷需求:直接识别与经验分析被引量：74

Farmers' Demand for Formal Credit in the Poor Areas:Direct Identification and Empirical Analysis

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摘要本文的目的是准确描述我国贫困地区农户对正规信贷的需求及其特征,并探讨正规金融机构满足农户需求的途径。在一个实现直接识别、完备分类的概念性分析框架下,本文利用问卷调查的数据、统计描述和计量经济模型识别的方法来衡量农户对正规信贷的需求,并分别估计了影响农户对正规信贷需求及其规模的因素。本文的主要贡献在于:①运用一个概念清楚的分析框架就农户对正规信贷的需求进行识别与完备的分类;②采用改进了的二阶段的TobitⅡ模型来估计影响农户贷款需求及其规模的因素。本文并就农户的信贷需求和农信社的改革提出政策建议。 This paper accurately depicts the level and the characteristic of farmers＇ demand for formal credit, and explores the way to meet such demand. Under the conceptual analytical framework with direct identifying and complete cataloguing, the paper tends to identify and measure the farmers＇ formal credit demands, and estimates the determinants of the credit demands and amounts. The research findings are as follows： firstly, the authors study and classify the farmers＇ credit demand in the poor regions through an analysis framework with a clear concept. Secondly, the authors estimate the influencing factor in rural credit demand through the improved Tobit Ⅱ model. Finally, some policy suggestions are proposed for the rural financial system reform.

作者刘西川黄祖辉程恩江

机构地区浙江大学中国农村发展研究院

出处《金融研究》 CSSCI 北大核心 2009年第4期36-51,共16页 Journal of Financial Research

基金福特基金会的资助浙江大学中国农村发展研究院985工程二期项目的资助

关键词农户信贷需求直接识别 farmers demand for credit direct identification

分类号 F832.4 [经济管理—金融学] F224 [经济管理—国民经济]

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