欠发达地区农户信贷参与及规模的影响因素——基于云南地区的调查数据分析

The factors influencing households' credit market participation and its scale in undeveloped areas: Based on analysis of the survey data of Yunnan

基于云南农村地区2009—2014年的抽样调查数据,从家庭特征、生产经营特征、收入结构、支出方式四个方面选取变量,采用面板Logit模型和Tobit模型分析欠发达地区农户信贷参与及规模的影响因素。结果表明:农户的信贷发生比约为50%;信用社信贷是农户信贷参与的主要方式,银行信贷较少,非正规信贷是农村信贷的有力补充;非劳动力负担、劳动力人口、固定资产支出正向影响信贷参与及规模;受教育程度高、担任村干部有利于农户获取信用社信贷;而农户的消费支出、生产经营支出并不显著地影响信贷参与及规模。

Based on the survey data of Yunnan rural areas in 2009-2014, taking the family characteristics, operating characteristics, income structure, ways of expenditure as selected variables, this paper analyzes the factors influence household credit participation and the scale in undeveloped areas by using panel Logit model and Tobit model. The results show that half of the farmers are apt to participate in credit market. Credit cooperatives loan is one of the main way of farmers participating in the activities of credit market, bank credit is less, and informal credit is a potent supplement of rural credit. The burden of non-labor force population, labor population, fixed asset expenditures have positive influence on credit participation and the credit scale. The higher education level and the experience of cadres＇ appointment are benefit for farmers accessing to credit loans; the farmers＇ consumption and operating expense do not significantly affect the credit participation and its scale.