基于农户视角的金融排斥影响因素研究

A Research on Affecting Factors of Financial Exclusion from the Perspective of the Farmers

我国农村地区存在着比较严重的金融排斥问题。为研究农户受金融排斥的影响因素,在已有文献的基础上,基于陕西省472个农户的调研数据,运用probit回归模型对其进行了实证研究。研究发现,农户是否受到贷款排斥即受到家庭中是否有成员担任村干部或是否有亲戚朋友在当地金融机构工作、农户家庭的年纯收入、农户家庭务农收入占总收入的比重和户主的文化水平等四个因素的影响;农户是否受到储蓄排斥即受到农户家庭的年纯收入、农户家庭的劳动力数量、农户对金融机构是否信任、农户家庭是否拥有电脑、农户家庭距最近金融机构的距离等五个因素影响,通过实证研究得出结论并得出了相应的政策启示。

There exists serious financial exclusion problems in rural areas in China. Based on the existing literature and a survey of 472 farmers＇ financial behavior in Shanxi province, in this paper, we use probit model to make an empirical research. It shows that whether the farmers are excluded by loan is mainly affected by four factors, including whether the family member is a village cadres or has relatives or friends in local financial institutions, family annual net income, the proportion of farm income in gross income and educational level of the head of a household; and whether the farmers are excluded by savings are mainly affected by five factors, which are family annual net in- come, number of labor force, farmers＂ trust in financial institutions, whether a farmer household has a computer and the distance between farmer＇s home and financial institutions. Policy implica- tions are proposed based on the empirical results.