基于分位数回归模型视角下的农村信贷资源分配研究——以兰州市榆中县、永登县、皋兰县的调查数据为例

Research on Rural Credit Resources Allocation Based on Quantile Regression Model——Base on the Data of Yuzhong County,Yongdeng County,Gaolan County in Lanzhou City

通过对兰州市榆中县、永登县、皋兰县1500名农民的实地调查,利用分位数回归法研究了农村信贷资源分配,发现农村信贷资源分配存在严重的扭曲。研究认为农村民间融资"堵不如疏",与其认为是负面的加以限制,不如正面引导加以规范,在有监管的环境下让民间融资渠道畅通,服务于中低收入农民。

This paper studies the rural credit resources allocation with quantile regression method based on the data of 1500 farmers in Lanzhou City, Yuzhong County, Yongdeng County, Gaolan County and discovers rural credit resource allocation has serious distortion. It finds out that it＇ s better to guide rural private credit than to block it. Private credit can serve lowincome farmers in a regulatory environment.