贫困地区农户正规信贷需求的实证研究——基于贵州农户的调查数据

A Survey of the Farmer's Formal Credit Demand in Poor Areas:A Case Study of Guizhou

通过对贫困地区贵州省316户农户的正规信贷需求进行调查分析,在此基础上,运用Probit模型,对贵州农户的正规信贷需求的影响因素进行实证检验,得出结论:样本区农户对正规信贷的需求以消费为主,生产次之,主要用于教育、住房、非农生产和医疗。户主年龄、户主受教育年限、家庭人口负担率、人均土地耕地面积、2012年人均工资收入、2012年家庭是否发生重大事件、农户对正规金融机构的贷款政策是否了解对农户的正规信贷需求有显著影响。

Based on the analysis of 316 farmers demand for formal credit in Guizhou Province, the arti- cle conducts a survey to test the affecting factors of Guizhou farmers＇ formal credit demand by using the Probit model. The findings are as follows ： 1 ） the farmers＇ most import demand for formal credit is for consumption, the next is for production, mainly for education, housing, non - agricultural produc- tion and medical care ; and 2） the significant factors of farmers＇ formal credit demand are the age and education level of the householder, the household burden rate, the arable land, the average wage and the important event of household in 2012 and the understanding on the formal financial institutions＇ lending policies.