农村居民借贷意愿及其影响因素解析——以山东省潍坊、临沂、济宁三市为例

Analysis of Rural Residents' Debit and Credit Willingness and the Influencing Factors—— Taking Weifang,Linyi and Ji'ning in Shandong Province as Examples

以山东省潍坊市、临沂市、济宁市农村居民借贷意愿的327份调查问卷数据为基础,从个人特征、家庭特征以及对借贷政策的认知三个方面对影响农村居民借贷意愿的因素进行了分析。从个人特征方面来看,被调查者年龄越大,其借贷意愿越低;受教育程度越高,其借贷意愿越高;男性的借贷意愿略低于女性。从家庭特征方面来看,农村居民家庭人口数越多,其借贷意愿也越强烈;消费支出越大,其借贷意愿越强。从认知方面来看,被调查者对借贷政策了解的程度越高,其参与借贷的意愿越高。

Based on 327 questionnaires reflecting the rural residents＇debit and credit willingness in Weifang ,Linyi and Ji＇ning in Shandong province ,the influencing factors are analyzed from the aspects of personal characteristics , family characteristics and cognition of debit and credit policies .As far as personal characteristics are concerned ,the elder respondents have lower debit and credit willingness .the higher-educated respondents have higher willingness to borrow money , and male respondents also have lower willingness .Considering family characteristics , the rural families with more family members have greater willingness to borrow money .From the perspective of the cognition , the respondents who know more about the debit and credit policies are more willing to borrow money .