农村信贷约束影响因素的实证研究——基于1207户农户的调查数据

Empirical Study on the influencing factors of rural credit constraints——Based on the survey data of 1207 households

采用多项Logit模型,实地调查了吉林省1 207户农户,获得1 056笔借款数据,针对农村正规金融及非正规金融信贷约束的影响因素进行了实证检验。研究结果表明,我国农村地区金融信贷的可获性分别受到是否为消费而借款、是否为突发事件而借款、是否为农业生产投资而借款、家庭收入水平及资产额度、受教育程度、与正规金融网点的距离等因素的影响。其中消费、突发借款、农业生产投资变量与农村金融信贷约束呈负相关,收入、资产变量与农村金融信贷约束呈正相关,距离变量与农村正规金融信贷约束呈负相关,受教育程度与农村正规金融信贷约束呈正相关,其他变量对农村金融信贷约束影响不显著。

This article uses multinomial Logit model, field investigations of 1207 peasant households in Jilin Province, won the 1056 loan data, considering the influencing factors of rural formal finance and informal finance credit constraints empirically. The results show that, the financial credit in rural areas of China were affected by whether the availability of consumer lending, borrowing, whether affect whether agricultural production investment and borrowing, income and asset limits, family education, and the formal financial network distance and other factors for emergencies. The emergency loan, consumption, investment in agricultural production and rural financial credit constraint vari- ables were negatively correlated, income, assets variables and rural financial credit constraints were positively correlated, negatively related to distance and rural financial credit constraints, education of formal finance and rural credit constraints were positively correlated, influence of other variables on the rural financial credit constraints do not significant.