农户金融需求行为及其影响因素的实证研究——以沈阳周边农村调研数据为例

Empirical study on behavior of financial demand of rural households and its influencing factors:a case based on rural survey data around Shenyang

随着改革开放的发展和农民生活水平的提高,农户对金融的需求愈加强烈。基于沈阳周边农户的300份调查问卷,运用世代交叠模型模拟农户经济行为,建立二元Logit模型,对影响沈阳农户金融需求效用的因素进行实证分析。指出农户的家庭收入、经营状况、固定资产、土地、贷款金额和城镇经济状况等因素都对农户金融需求效用存在显著影响,并提出了促进沈阳周边农村金融发展的政策建议,旨为沈阳地区农村经济发展提供借鉴。

With the development of reform and the improvement of the living standards of farmers, the finance demand of rural households becomes stronger and stronger. Based on the 300 questionnaires of rural households around Shenyang, generation-overlapping model is used to simulate the economic behavior of farmer household; binary Logit model is built to carry out empirical analysis to the influencing factors to the utility of financial demand of farmer households in Shenyang. It is pointed out that the factors such as household income, business status, fixed assets, land, loan amount and the economic status of the city have significant effects on the financial demand utility of the farmer households. Policy recommendations are proposed to promote the rural financial development around Shenyang so as to provide reference for rural economic development in Shenyang.