贫困农户小额信贷获取的决定因素分析

Analysis on the Determinants of Poor Peasant Households' Access to Microfinance

在摆脱贫困发展经济的过程中,资金起着十分重要的作用。与财政投资和社会捐赠等相比,信贷则是一种最为适合农村特别是贫困农户摆脱贫困、扩大生产的资金来源。在我国,小额信贷已经得到推广,但是贫困农户获取小额信贷的需求与供给不平衡现象严重。该研究基于在湖北省农村的问卷调研数据,运用离散选择模型,实证研究了贫困农户小额信贷获取的决定因素。结果表明,家庭收入、自营职业和官方地位是农户获得小额信贷的3大影响因素。偿还能力和获得小额信贷之间密切相关,说明提高农户的债务偿还能力有助于他们获得小额信贷。

Capital plays a very important role in the process of poverty alleviation and economic development. Compared with the financial in- vestment and social donations, the credit is one of the most suitable way, especially for poor peasant households out of poverty in rural areas, and improve the production source of funds. Mierofinance has been promoted in our country, but the imbalance between poor peasant house- holds access to microfinance demand and supply is serious. Based on data of questionnaire investigation in Hubei rural area, using discrete choice model, the determinants of poor peasant households＇ access to microfinance were studied. Studies have shown that family income, self- employment and official status are the three influence factors of farmers access to microfinance. Close ties between solvent and access to micro- finance, suggesting that peasant household ＇ ability on debt repayment is helpful to improve their access to microfinance.