摘要
运用logistic回归方法,对陕西1151户农户的问卷调查数据进行了计量分析,检验了收入水平、非农程度、风险规避倾向、社会网络等农户个体特征对农户正规和非正规信贷约束的影响。经验分析结果表明:收入水平和非农程度对农户的两类信贷约束都具有显著的负向影响;正规信贷约束受到"关系"的显著影响,但不受农户内在的风险规避倾向的影响;非正规贷款不受"关系"的显著影响,但受到农户内在的风险规避倾向等因素的影响。
This paper analyses the questionnaire data from 1151 farmer households in Shannxi with logistic regression method,and tests how the individual characters influence formal and informal credit constraints.The result indicates： the levels of income and non-agriculture have significant negative influence on both two types of constraints;the fromal credit constraint is influenced by social relation,but is not influenced by risk aversion tendency;the informal credit constraint is not influenced by social relation,but is influenced by risk aversion tendency.
出处
《软科学》
CSSCI
北大核心
2011年第2期94-98,115,共6页
Soft Science
基金
国家社会科学基金资助项目(08ZD027)
教育部人文社会科学研究青年基金资助项目(09YJC790214)
陕西省人文社会科学资助项目
关键词
农户
信贷约束
社会网络
风险规避倾向
farmer households
credit constraint
social network
risk aversion tendency
