摘要
从创业农户的金融需求特征、正规金融、非正规金融和社会资本四个维度出发,考察影响创业农户借贷意愿的影响因素,通过对152位创业农户的实地调研,运用二元Logistic计量模型,实证研究得出结论 :创业农户的家庭收入和家庭结余、非正规金融的借款额度和期限以及创业农户的亲朋数量等因素对农户借贷需求发挥着显著影响作用。
From the characteristics of their financial needs, formal finance, non-formal finance and social capital, factors influencing the borrowing willingness of farmerentrepreneurs were studied. Through field research on 152 farmer-entrepreneurs and analysis with binary Logistic model, conclusion showed that household income and balance, loan amount and duration of non-formal finance, as well as the number of friends and relatives, had significant influence on the borrowing willingness of farmer-entrepreneurs.
出处
《上海金融学院学报》
2015年第3期29-36,共8页
Journal of Shanhai Finance University
基金
广东省江门市科技局项目:城市化下创业农户融资机制与模式研究--以江门五邑地区为例(项目编号:2014ZJ016)
国家社科项目:民间信贷交易与农村微型金融中介体发展研究(编号:12BJY096)
"211工程"重点学科建设项目资助
关键词
创业农户
借贷意愿
影响因素
实证分析
farmer-entrepreneurs
borrowing willingness
factors
empirical analysis
