收入质量对农民工信贷需求的影响研究——来自河南、山东、陕西的数据

The Influence of Midwest Migrant Workers' Income Quality on the Credit Needs——A Case of Henan,Shandong and Shaanxi

笔者将"农民工收入质量"概念引入信贷需求研究中,在对农民工收入的充足性、稳定性、结构性、成本性、知识性等5个维度进行考察的基础上,运用有序二元Logistic回归模型,探讨农民工收入质量对其信贷需求的影响。研究结果表明,收入质量中的家庭收支情况、务工收入与总收入比值、生活成本、工作技能等4个变量对信贷需求有负向影响;变量换行业次数对信贷需求有正向影响。

In this paper the author put forward the theories of Income Quality. On the basis of analysis in 5 dimensions,the author chose the dual-logistic regression model to research the effect of income quality on the credit demand of migrant workers. Results show that 4 variables,namely family income,Migrant workers income and total income ratio,living expenditure and working skills,will make negative effect on credit demand; the mid-variable of job-change times will make positive effect on credit demand.