贵州农户借贷行为影响因素研究——基于5县393户农户的调研数据

Research on the affecting factors of famer loan behavior in Guizhou——Based on survey about 393 farmers in 5 counties

基于贵州省5县393户农户调研数据,通过对农户借贷行为影响因素的描述,构建理论假说;根据理论假说中的因素进行单因素相关性分析;利用多分类Logistic计量经济模型,对影响农户借贷行为的因素进行实证分析。研究结果表明,户主文化程度、家庭劳动力个数、对信贷政策的认知程度、耕地面积、农业生产收入、教育和医疗支出、担任村干部情况对农户借贷行为具有比较显著的影响。

On the basis of the data from 393 questionnaires in 5 counties of Guizhou province, the study described the factors of farmer loan bebaviore, and provided the theoretical hypothesis; then made correlation analysis of the single factor according to the factors of the theoretical hypothesis; at last ,by using the muhinomial logistic model, analyzing the affected factors of famer loan behavior. The result showed the householder education level, number of family labor force, level of knowledge of credit policies, cultivated land, agricultural income, education and medical expenses, village cadres had the distinct influence on the famer loan behavior.