互联网农村金融供给对农户借贷需求的影响效应研究——基于八省市农村借贷供需情况调查的卡方分析

The Effect of Internet Rural Financial Supply on the Farmer Credit Demand——The Chi-Square Test Based on a Investigation of Supply and Demand of Rural Credit in Eight Provinces and Cities

论文基于农村调查数据,采用卡方法,对互联网金融进入农村后,对农户借贷需求的影响效应进行了分析。分析结果是地域差别不会影响农户对互联网农村金融的借贷需求;农村熟人社会会影响或抑制互联网农村金融机构的借贷供给;贷款利率水平的高低以及担保方式的差别也是影响互联网农村金融放贷供给的重要因素。

Based on the rural survey data, the paper analyzes the influence of the internet finance on the rural households＇ borrowing demand by the chi-square test. The result is that： regional differences will not affect the peasant borrowing needs; rural acquaintances society affects the internet supply of rural lending; lending rates and the way of guarantee is the important factors that affect the internet rural financial supply of rural lending.