农户信贷需求与信贷约束影响因素的Logit检验——基于商洛市905户农户的实证分析

The Logit Test of Influencing Factors of Farmers' Credit Demand and Credit Constraint—— Based on the Empirical Analysis of 905 Peasant Households of Shangluo City

本文依据对商洛市905户农户信贷需求情况的调研数据,运用Logit模型分别对农户信贷需求、农户金融机构信贷需求和农户金融机构信贷约束的影响因素进行实证检验,既从需求视角估计农户借贷需求和金融机构信贷需求的影响因素,又从供给视角估计农户信贷需求得不到满足的制约因素。结果表明,商洛农户的潜在信贷需求强烈,但由于自身收入水平较低、文化程度不高、生活消费性借款不愿承受较高的利息支出等因素,农户不愿意向金融机构借款;与此同时,农户选择向金融机构贷款时,由于没有熟人、缺乏抵押物、没有被评定为信用户等因素制约,较难从金融机构获得贷款满足。最后,本文从扩展农户金融需求、增加农村金融供给两方面提出缓解农户"贷款难"和金融机构"放贷难"的政策建议。

According to the survey data of the situation of the credit demand of 905 peasant households of Shangluo city,using Logit model, the paper makes the empirical test on the influencing factors of farmers＇ credit demand, farmer financial institutions＇credit demand and farmer financial institutions＇credit constraint, and not only estimates the influencing factors of farmers＇credit de-mand and financial institutions＇credit demand from the perspective of demand, but also estimates the influencing factors that farmers＇credit demand can＇t be satisfied from the perspective of supply. The results show that the potential credit demand of farmers in Shangluo city is strong, but due to that the level of their own income is low, their cultural level is not high, they are not willing to bear the high interest rate for consumption loans, and farmers are not willing to borrow money from financial institutions. At the same time, when the peasant households choose to get loans from financial institutions, because they have no acquaintance, lack of collateral, and are not assessed as the farmers with a good credit, it is more difficult for them to get loans from financial institutions. In the end, the paper puts forward policy recommendations on solving the difficulties in borrowing for farmers and lending for financial institutions from two aspects of expanding farmers＇credit demand and increasing rural financial supply.