中国农户面临的信贷排斥——来自4625个样本的数据

Rural Households Credit Exclusion:Data Collected From 4625 Samples

基于微观调查数据,采用有序Probit模型对影响农户信贷排斥的因素进行分析,研究发现:在农村地区,农户家庭主事者的性别、年龄对其家庭能否获得贷款用于生产性投资影响显著;家庭成员的总体受教育程度越高,其缓解家庭受信贷排斥的作用就越大;同样,家庭耕地规模越大和家庭年总收入越高的农户可以避免信贷排斥,而家庭负债越高的农户则面临着严重的信贷排斥。居住在自有住房里的农户和居住在商业中心周边的农户顺利获得贷款的概率较大。

Based on the micro investigation data, the paper makes use of the ordered Probit model in a system analysis on the factors of rural household credit exclusion. The major findings are as follows. In rural areas, the sex and age of the principal member of a family has a great in- fluence on the usage of credit in the productive investment~ Besides, the higher the overall level of education a family, the greater effect it has in mitigating the credit exclusion~ Similarly, fami- lies with larger scale of cultivated land and higher annual total income can avoid credit exclusion, while families with high debt are faced with severe credit exclusion. Rural households living in their own housing or on the periphery of the commercial center are more likely to get the credit successfully.