农村借贷利率影响因素的实证研究——基于安徽省调研数据

AN Empirical Study of Influencing Factors on Rural Lending: Based on Data in Anhui Province

本文基于安徽大学中国三农问题研究中心对安徽省农户的调研数据,运用Logit模型分析中国农民间借贷利率的影响因素。研究结果表明:传统的农村文化对农村借贷行为仍有很大的影响;但是随着经济和城市化进程的推进,城市文明对农村借贷行为的影响逐渐增大,农村借贷的社会稳定的功能有所淡化。因此,要进一步规范和引导农村借贷行为,深化农村金融体制和建立规范的农村社会保障体系。

This paper analyses the factors which influence the decision on charging interest among Chinese country by using Logic model, based on the survey data of Anhui province farmer from the peasant agriculture and Village Research Center of Anhui University. The research results indicates that： the traditional rural culture still has sig- nificant influence on the rural leading behavior; but with the development of economic and urbanization, the im- pact of urban civilization to rural lending behavior is gradually increasing, rural lending has weakened the function of social stability. Thus, standardizing and guiding the rural lending practices, deepening rural financial system and establishing a standard of rural social security system may be helpful in developing rural economic and building a harmonious society.