农户参与农民资金互助社行为的影响因素分析——基于江苏省3市4县(区)825户农户的调查数据

Analysis of Factors Affecting Farmers' Behavior to Participate in Farmers' Mutual Financial Cooperative——Based on the Survey of 825 Farmers from Four Counties(Districts) of Three Cities in Jiang Su Province

本文基于对江苏省3市4县(区)825户农户的调查数据,采用二元Logistic回归模型,实证分析了农户参与农民资金互助社行为的影响因素。研究发现:生产性投资支出水平越高,受正规金融的约束程度越大,周围亲友参与人数越多,农户越倾向于参与农民资金互助社;愿意支付入股股金或预期贷款需求能得到满足或预期能获得股金分红的农户,更倾向于参与农民资金互助社;对正规金融服务越满意,与农民资金互助社的距离越远,预期农民资金互助社的风险越高,农户越不倾向于参与农民资金互助社。其中,满足农户的贷款需求、为农户提供股金分红以及实现农民资金互助社的风险可控,是提高农户参与农民资金互助社积极性的重要因素。

Based on the survey data of 825 farmers in Jiang Su province,the paper established a binary logistic regression model to make the empirical analysis of factors affecting farmers' behavior to participate in farmers' mutual financial cooperative.Conclusions could be drawn that,the higher the level of productive investment cost is,the greater the degree of formal financial constraint is,the greater the number of relatives and friends who participated in similar organization is,the greater farmers' possibility of participating in farmers' mutual financial cooperative is.And the farmers who are willing to pay shares cost,expecting the demand for loans to be met and to receive shares dividends are more likely to participate in farmers' mutual financial cooperative..The greater the degree of formal financial services' satisfaction is,the farther the distance between the farmers' house and farmers' mutual financial cooperative is,the higher the risk of farmers' mutual financial cooperative farmers expected is,the less farmers' possibility of participating in farmers' mutual financial cooperative is..Among these factors,meeting farmers' demand for loans,making farmers to receive shares dividends and controlling the risk of farmers' mutual financial cooperative are the important factors to improve farmers' participation enthusiasm.