家庭农场主贷款满意度影响因素研究——以河南省305个家庭农场为例

Research on Impact Factors of Satisfaction of Loan of Family Farm Operators——Based on 305 Samples of Family Farms of Henan Province

基于河南省305个家庭农场实地调研数据,对影响家庭农场主贷款满意度的主要因素进行分析。研究发现:26.56%的家庭农场主对贷款评价为满意;农场主的文化程度、银行关系、家庭农场的示范等级、经营类型、经营规模、总资产、银行的服务态度以及政府的利率优惠政策对农场主贷款满意度有显著正向影响;对家庭农场主贷款满意度影响程度最高的变量是利率优惠政策,最低的变量是总资产。在此基础上,提出制定出明确、可行的家庭农场贷款利率优惠政策,引导金融机构重视家庭农场贷款业务,为不同经营类型的家庭农场设计贷款产品,调整家庭农场授信等级等建议。

Based on 305 samples of family farms in Henan Province using the Multiple Orderly Logistic model,this study analyses the factors affecting satisfaction of loan to the family farm operators.The results show that only26.56% of the family farm operators satisfy with the loans;the empirical analysis proves that the operators＇ own cultural level and the relationship between the bank,demonstration class,business scope,total assets and business scale of family farms have significant effects on satisfaction of loan to the family farm operators.What＇s more,the satisfaction of loan to the family farm operators is associated with the service attitude of banks and the preferential policies of interest rates of government,too.Based on the research,this paper suggests that rural financial institutions should innovate the way of mortgage and exploit special financial products for family farms.The preferential policies of interest rates of government have highest influence degree to satisfaction of loan to the family farm operators,and total assets have the lowest influence degree.At the same time,the government should develop clear and feasible preferential policies of interest rates for family farms,encourage financial institutions to focus on the family farm loan business,innovate loan products for different business scope family farms,and adjust the family farms credit grades.