基于资产视角的农户信贷可得性研究

Research on farmers’ credit availability based on asset perspective

目前,我国农村地区仍然存在着较为严重的信贷约束现象。根据调研数据,将农户资产分为金融资产、非金融资产以及自然资源,使用Probit模型分析各类资产对农户信贷可得性的影响。结果表明:金融资产和房产负向影响农户信贷可得性,生活消费性资产和自然资源正向影响农户信贷可得性。

To implement the strategy of rural revitalization, the problem of where the money comes from must be solved, but at present, there are still more serious credit constraints in rural areas of China. The article uses survey data to classify farmer assets into financial assets, non-financial assets, and natural resources. The Probit model is used to analyze the impact of various types of assets on farmer credit availability. The results found that: financial assets and real estate negatively affect farmers’ credit availability, consumer assets and natural resources positively affect farmers’ credit availability.