贫困地区农户创业的信贷需求——基于农户异质性视角的比较分析

The Financing Need of Rural Households in the Poor Areas for Starting Their Own Businesses——Comparative Analysis Based on the Heterogeneous Perspective of Farmers

基于来自6个贫困县的959份农户调研数据,利用PSM模型“提纯”出农户创业引致的信贷需求,从农户异质性的视角比较分析贫困地区农户创业信贷需求特征及差异。研究发现,贫困地区农业创业农户的信贷需求相对最弱;农户所在村庄的经济水平间接通过农户对创业类型的选择影响其创业的信贷需求;农户对正规金融的偏好正向影响了农户创业的信贷需求规模;生存维持创业农户总体信贷需求最强,价值实现型创业农户正规信贷约束严峻。

Based on the survey data of 959 rural households from six poverty-stricken counties, this paper "extracts" the financing demand of the farmers with the PSM model as they try to start up their own businesses, and compares and analyzes the characteristics and differences of these demand from the perspective of rural households' heterogeneity The study finds that the credit demand of agricultural entrepreneurs in the poor areas was relatively weak;the economic level of the village in directly influences the credit demand of the farmers through their choice of what type of businesses they are about to create;the farmers' preference for the mainstream financing channels has a positive impact on the scale of their credit demand;and the survival- and-maintenance type of farmer entrepreneurs have the strongest credit demand, while the value realization type of farmer entrepreneurs face severe credit constraints exercised by the mainstream financial organizations.