新形势下种植大户借贷行为研究——以乌鲁木齐县为例

Study on the Borrowing Behavior of Large Plantation Owners under the New Circumstances

在2013年中央一号文件首次提出"家庭农场"的背景下,本文利用对乌鲁木齐县200户种植大户资金借贷情况调查的数据,从农户资金借贷发生率、借贷金额、借贷渠道、借贷方式及借贷用途等方面描述和分析了乌鲁木齐县种植大户的借贷行为特征,并运用Logistic模型估计种植大户借贷可得性的影响因素。研究结果表明,对农户借贷可得性产生显著影响的因素有家庭耕地面积、家庭收入水平、家庭人口数、户主年龄、文化程度、对银行贷款政策的了解程度、贷款效率等。

Under the background that the No. 1 document of the central government first puts forward the ＂family farm＂, this paper uses data from the investigation on the borrowing behavior of 200 large plantation owners from Urumqi county to analyze the characteristics of their borrowing mainly in terms of the incidence rates, the amount, channels, way of loans and borrowing purpose. It also uses the logistic model to analyze the factors influencing the success probability of the credit behavior of farmers. The result shows that family farmland, income level, family size, farmers＇ age, their educational level, the understanding about banks＇ loan policies and loan efficiency have the sig- nificant influence on the likelihood of farmers＇ getting loans.