摘要
本文以河南省402户农民的调查材料为依据,运用Logistic模型对农户村镇银行贷款意愿的影响因素进行实证分析结果表明,农户户主性别、年龄及家庭收入等变量对其村镇银行贷款意愿有显著影响。本文提出加大村镇银行贷款业务的宣传力度、对农户进行贷款相关知识培训、因地制宜完善相关制度等政策建议。
Basing on the survey data collected from 402 questionnaires in Henan Province,the author made a statistical analysis on the potential Willingness and influential factors to get loans from village and town banks by using the binary logistic regression analysis model.The results showed gender,age and family income have great influence on the farmer's potential willingness to get loans from village and town banks.Finally,the author put forward some proposals,such as training Farmers' loan knowledge and advancing the construction of rural related system etc.
出处
《农业经济问题》
CSSCI
北大核心
2013年第6期49-54,111,共6页
Issues in Agricultural Economy
基金
国家自然科学基金青年科学基金项目(编号:71203147)
河南省软科学研究项目(编号:112400420073)阶段性成果
