农户基础金融服务需求及影响因素分析——基于山东、湖南、陕西570份调查数据

Demand and influencing factors of households' basic financial services: Evidence of 570 survey data from Shandong,Hunan and Shaanxi province

基于山东、湖南和陕西570份农户调查数据分析发现,农户对存款、汇兑、代理和贷款服务的需求差异较大。相对于存款和代理服务来说,汇兑和贷款的需求显著不足。从家庭和户主特征、金融供给方面选取10个变量采用有序Logit模型分析影响农户家庭金融服务需求的因素,结果表明:家庭收入水平越高的农户对存款、代理和汇兑服务的需求越强;户主是否有正式工作经历,对家庭的存款、代理和汇兑服务需求有正向影响;家庭到最近金融机构的距离(金融供给)对农户金融服务需求并没有显著性影响。

The analysis of the survey data of 570 households in Shandong, Hunan and Shaanxi shows that households＇ demand for deposit, remittance, agency and loan services is widely vary. Compared with the deposit and agency services, the demand for remittance and loan is insufficient. Then this paper selects 10 variables from family and household characteristics, as well as financial supply, using the ordered Logit model to analyze the factors that influence the households＇ financial services demand. In detail, the higher level of family income, the higher degree of remittance and agency services demand. Whether the householders get a former job or not has positive effect on the demand of deposit, agency and remittance services. The distance from the household＇s home to the nearby financial institution, namely the financial supply, has not pass the significance testing.