农村金融需求的现状及影响因素——基于对成都市农户的调查

The Status Quo of Rural Financial Demands and the Factors——Based on the Survey of Rural Households in Chengdu

本文根据成都市大邑县和温江区两地农户的调查结果,描述了当地农户金融需求的意向与额度,发现在该地区正规金融渠道能满足近七成农户的存款需求,同时存在农户在正规金融渠道的贷款情况与其实际贷款意愿相背离、农户将借贷资金用于消费需求的比例很高的现象。说明当地农村存在需求型的金融抑制。另外,本文还分析了影响农户贷款需求的因素,并运用Probit回归法对其进行实证检验,结果表明两地农户的收入水平对其借贷需求有负向且显著的影响,而医疗支出、教育支出和日常生活支出是农户进行借贷的主要原因。

Based on the survey of rural households in Dayi county and Wenjiang district, Chengdu, this paper describes the intention and amount of the financial demands of local rural households. The survey shows that formal financial channels in the two areas can meet the deposit demands of 70% rural households and meanwhile, there are the phenomena that the loans of forreal financial channels deviate from the actual willingness of local households and the proportion of the loans used for consumption is very high, which indicate that there is demand-based financial repression in rual areasl In addition, the paper analyzes the factors that affect the borrowing demands of households and empirically examines the factors with Probit regression. The results show that the incomes of households in the two areas have significant negative impacts on their borrowing demands and the expenditures on health care, education and daily living are main reasons for rural households to borrow.