家庭农场信贷需求影响因素实证分析——基于许昌市230个样本的调查

Empirical study on factors influencing family farm credit demand——Taking the date from Xuchang city as an example

对河南省许昌市的家庭农场聚集地鄢陵县和襄城县230个家庭农场的问卷调查数据进行统计分析,运用二分类logistic模型,分析了影响家庭农场主正规信贷需求的主要因素。结果表明:农场主文化程度、农业收入占家庭总收入的比例、种植规模、种植类型、对金融支持政策的认知和对金融服务的评价6个因素对家庭农场主正规信贷需求有正向影响,家庭农场主的经营时间对农场主的正规信贷需求有负向影响,家庭农场主的年龄和借贷经历对家庭农场主正规信贷需求没有显著影响。

Based on the survey of 230 family farms in Yanling and Xiangcheng in Xuchang, Henan province, by using the binary classification logistic model, this paper analyzed the influence factors on family farmers demand for formal credit. The results showed that the farmer cultural degree, agriculture account for the proportion of total household income, scale of planting, plant type, cognition of financial support policies and evaluation of financial services had positive effects on their demand for formal credit. Family farmers operation time had a negative effect on farmers formal credit demand. Family farmers age and borrowing experience had no significant influence on family farmers credit demand.