传统农区农户借贷行为分析——基于兰考县董堂村、埽怀村的调查

Analysis on the Loan Behavior of Farmers in Traditional Farming Areas——Based on the Investigation of Dongtang Village and the Village of Saohuai in Lankao County

基于兰考县两个村庄82户农户的调查数据,运用定量与定性相结合的分析方法,分析传统农区农户借贷的影响因素、行为特征和借贷意愿。结果表明:(1)个人特征中户主的年龄、学历、职业是影响农户借贷需求的主要因素,而性别、务工、政治身份则对借贷需求没有产生显著影响。(2)家庭特征中人口规模、耕地规模、学生人数、家庭收入是影响农户借贷需求的主要因素,而劳动力人数与借贷需求呈现随机特征。(3)农村信用社与邮政储蓄是农户办理金融业务的主要渠道,家庭财富是最重要的影响因素,但民间借贷居绝对主导地位,且借贷额度整体较小,主要用于商业活动、教育、医疗、住房等大额开支。(4)农户意愿担保品"信用"特征明显、贷款利率可承受能力低、贷款期限长、还贷周期长和网上银行参与程度低等特点,导致贷款产品的可行性较差。

Based on the survey data of two villages lankao82peasant households,using the combinationof quantitative and qualitative analysis method,analysis the influence factors of peasant household borrowingtraditional agriculture,behavior characteristics and borrowing.The results showed that:(1)personalcharacteristics of householder age,educational background,professional is the main factor affecting the farmercredit demand,while gender,migrant workers,political identity did not have a significant impact on borrowingdemand.(2)the size of the family,the size of the cultivated land,the number of students and the familyincome are the main factors that influence the demand for household borrowing,and the number of labor forceand the demand for borrowing are randomly characterized.(3)the rural credit cooperatives and postal savings isthe main channels for farmers to conduct financial business and household wealth is one of the most importantinfluencing factors,but the folk lending in the absolute dominance,and overall lending is lesser,mainly forbusiness,education,health care,housing and so on big spending.(4)farmers intend to collateral obvious traitof“credit”and loan interest rates low affordability,long loan time limit and long repayment period and lowlevel of involvement of the bank on the net,leading to poor feasibility of loan products.Based on this,topromote the development of the rural finance and activate the rural economy is put forward to strengthen farmerskill training,improve the rural social security system,improve the system of farmer group lending and promotethe legalization of private financial advice.