家庭农场信贷可获得性影响因素研究——基于陕西省典型地区的调查

Research on Influence Factors of Family Farm Credit Availability:Based on Survey of Typical Areas in Shaanxi Province

本文根据陕西省部分地区的232份有效家庭农场主调查问卷数据,运用Logistic模型,研究该地区家庭农场信贷需求特征以及影响家庭农场信贷可获得性的主要因素。结果表明,农场主文化程度、农场主亲戚朋友中是否有政府工作人员、农场主是否为家庭农场所在村村民、家庭农场产品销路稳定程度、家庭农场年平均纯利润、农场主对家庭农场相关信贷政策的了解程度等对家庭农场信贷可获得性具有正向影响,家庭农场产品价格波动程度对家庭农场信贷可获得性有负向影响。鉴于此,提出提高农场主对信贷政策的认知程度、积极推动金融服务创新、完善家庭农场相关信贷政策、推动形成农场间相互担保的信贷模式等建议,以期提高家庭农场信贷可获得性,促进家庭农场更好地发展。

According to the survey data of 232 effective family farmers in some areas of Shaanxi Province,this study used the Logistic model and conducted the empirical analysis on the credit demand characteristics of family farms and the factors affecting availability of loan to family farms.Research showed that educational level of farmer,relationships between farmers and government staffs,residence registration of farmers,stability degree of product sale,annual average pure profit of family farms and farmers′ cognition of policies relating to family farms had positive effect on availability of loan to family farms,fluctuation degree of product price had negative effect on availability of loan to family farms.In view of this,finally some suggestions were put forward,including improving the farmer′s perception of credit policies,actively promoting financial service innovation,perfecting the related credit policies,promoting the development of a mutually assured credit model between farms,in order to improve family farm credit availability and promote better development of family farm.