河南省农户信用社贷款意愿影响因素分析

Analysis of influential factors on farmers' getting loans from credit cooperative in Henan Province

【目的】对河南省农户向农村信用社贷款意愿的影响因素进行实证分析,为农村信用社制度制定及完善现行农户贷款政策提供参考。【方法】以河南省4个县(濮阳县、杞县、固始县、汝阳县)402个农户调查资料为依据,运用Logistic模型对农户向农村信用社贷款意愿影响因素进行实证分析。【结果】农户的性别、年龄、家庭收入、耕地规模、所处区域、对贷款政策了解情况等变量对其农村信用社贷款意愿有显著影响。【建议】加大农村信用社贷款业务的宣传力度、积极完善农村信用社贷款的配套政策、对农户进行贷款相关知识培训,以更好地促进农村信用社健康、顺利发展。

【Objective】Empirical analysis was used to study the influential factors of farmers’ getting loans from rural credit cooperative to provide references for formulating rural credit cooperative principles and improving the current farmer loan policies. 【Method】Based on the survey data collected from 402 questionnaires in Henan Province, the binary logistic regression analysis model was used. 【Result】The results showed that gender, age, family income, land size, region and policy information had great influence on farmers’ potential willingness to get loans from banks. 【Suggestion】Some proposals were put forward including advancing the construction of rural social security system, accelerating the publicity of rural credit cooperatives, and enhancing farmers’ knowledge training on loan to promote sound and smooth development of rural credit cooperatives.