基于MNL模型的农村正规金融机构信贷供给行为的实证分析

An Empirical Analysis of Credit Supply Behavior of Formal Rural Financial Institution based on MNL Model

本文利用山东泰安农村地区抽样调查数据,从实证角度考察了我国农村正式金融机构向农户提供信贷供给时的信贷完全满足、信贷完全配给和信贷部分配给行为。结果表明:与金融机构信贷完全满足行为相比,申贷农户家庭自有土地数量越多、面积越大,越有助于其降低遭受金融机构完全信贷配给行为;户主具有非农劳动专业技能和家庭资产价值越高反而促使金融机构对其申贷金额满足度下降。

Using data which come from rural areas of Tai＇an of Shandong province, the article analyzes the credit supply behaviors of formal rural financial institution, such as total supply, full credit rationing behavior and partial credit ration- ing behavior. The empirical results show that in comparison with full credit rationing behavior, apply for loan family owned the more land quantity and the larger acreage, the more help to reduce suffering from fully credit rationing; house- holder with non - agricultural labor skills and the higher household assets value actually encourage financial institutions to loan reduce loan amount.