农户信贷配给及影响因素实证研究——来自吉林农村的微观证据

An Empirical Study on Farmers Credit Rationing and Influencing Factors——Evidence from Micro-data of Rural Areas in Jilin Province

农村金融难题最直接的体现就是广泛存在的农户信贷配给问题。本文依据信贷配给理论,通过问卷调查的方式,阐明了吉林省农户信贷配给的现状,分析了导致农户信贷配给的原因。在此基础上,运用Probit模型,实证分析农户家庭及个人特征对其所受信贷配给的影响,提出缓解农户信贷配给的建议。

The most direct reflection of the rural financial problem is the peasant household credit rationing which is a widespread problem. Based on the theory on credit rationing and through questionnaire, the paper illustrates the present situation of peasant house-hold credit rationing in Jilin province, analyzes the cause of peasant household credit rationing. On the basis of above analysis, using Probit model, the paper makes an empirical analysis on the influence of the peasant households and individual characteristics on their credit rationing, and puts forward suggestions on easing the peasant household credit rationing.