农村居民消费融资需求及影响因素分析——以陕西省渭南市为例

Analysis on Requirements for Consumer Financing of Rural Residents a Case Study of Weinan, Shaanxi

基于渭南市2 636户农户问卷调查数据,从农户分化与演变视觉分析农村居民消费融资需求状况。采用概率模型分析了影响农户融资消费的主要因素是收支的＂非均衡性＂、户主个性、消费环境、城乡融合程度和存贷款利率水平高低。建议调整国民收入分配结构,完善农村基本社会保障体系,推进农村居民生产生活集聚,构建以农户需求为导向的农村金融体系。

Based on the questionnaire data obtained from 2636 peasant households in Weinan, this paper analyzes the requirements for consumer financing of rural residents in the view of peasant household differentiation and evolution. By using probabilistic model, it is figured out that the main factors influencing consumer financing of rural residents are unbalance between income and expenditure, personalities of householders, consumption climate, degree of urban and rural amalgamation, level of interest rates for saving deposits and loans, and etc. it is advised that we should restructure the distribution of national income, and improve the basic social security system in the rural areas so as to accelerate the concentration of rural residents＂ production and life, and then establish a rural financial system under the direction of demands of peasant households.