农户家庭因素对农村普惠金融发展的影响——基于农户借贷行为的分析

The influence of farmers' family factors on the development of rural inclusive finance:Based on the analysis of farmers' borrowing behavior

基于农户的借贷行为,利用全国农村固定观察点调查系统1986—2009年的数据对农户家庭因素对农村普惠金融发展的影响进行了实证分析。结果表明,耕地面积、是否村干部家庭以及文化程度对农户的借贷活动起着正向促进作用;而家庭务农生产经营活动、家庭人均年收入、非农收入、非正规借款额度和年末手持现金对农户借贷发生率起着负向影响。对此,应加速农地流转改革,扩大农户的耕地面积;利用互联网技术优势,拓展农村社会关系网络;加大财政投入,提高农民的综合素质;降低准入门槛,引导非正规金融组织转型,以更好地促进农村普惠金融的发展。

Based on the behavior of farmers’ borrowing for the empirical analysis, the impact of rural household factors on the development of rural inclusive finance were analyzed by using the national fixed observation point survey system from1986 to 2009. The results show that the area of cultivated land, whether it’s a village cadre family and the degree of education play a positive role in promoting the household borrowing activities;while the family farming and production activities,family per capita annual income, non-agricultural income, informal borrowing quota and cash holding at the end of the year has a negative impact. In this regard, we should accelerate the reform of agricultural land circulation, expand the arable land area of farmers, use the advantages of Internet technology, expand the network of rural social relations, increase financial input,improve the overall quality of farmers, reduce barriers to entry, and guide the transformation of informal financial organizations to better promote the development of rural inclusive finance.