基于乡村旅游发展的农户后续借贷意愿影响因素分析

The Influencing Factors on Farmers’Follow-up Borrowing Will Based on Rural Tourism Development

在乡村旅游的蓬勃发展下,旅游目的地农户有机会通过配置资本来获取收益,当自有资金不足时,部分农户会通过借贷行为获得充足的资金去参与旅游业发展。本研究通过对重庆市城口县岚天乡的266户农户进行问卷调查,运用二元Logistic模型分析了乡村旅游发展下农户后续借贷意愿的影响因素,探索农户后续借贷意愿影响因素。结果显示:农户家庭年收入主要来源于旅游业,对农户后续借贷意愿有正向影响;参与旅游业的获利率对农户后续借贷意愿有正向影响;农户参与旅游业的获利能否满足资金需求,对其户后续借贷意愿有负向影响。因此,需要提升农村金融服务水平,增加以旅游地农户为对象的贷款项目,实现金融机构和农户的双赢。

Under the vigorous development of rural tourism,farmers in tourism destinations have the opportunity to obtain income by allocating capital.When their own funds are insufficient,some farmers will obtain sufficient funds to participate in the development of the tourism industry through borrowing behaviors.Based on a questionnaire survey of 266 farmers in Lantian Township,Chengkou County,Chongqing City,a binary logistic model was used to analyze the influencing factors of farmers’subsequent willingness to borrow under the development of rural tourism.The results show that the annual household income of farmers mainly comes from the tourism industry,which has a positive impact on the farmers’mpact on the subsequent borrowing willingness of farmers;demand has a negative impact on their households’subsequent willingness to borrow.Therefore,it is necessary to improve the level of rural financial services,increase loan programs targeted at farmers in tourist areas,and achieve a win-win situation for financial institutions and farmers.