不同经营规模农户借贷需求分析

LoanDemand of Rural Households with Different Operating Scale

本文利用全国11个省的农户调研数据对不同经营规模下农户借贷需求进行分析,并运用logit模型对影响农户借贷需求的因素进行实证分析。研究发现,在全部调研农户中,15.54%的农户产生了有效借贷需求,在有需求农户中76.34%的农户能够从不同渠道取得借款,60.28%取得贷款农户的借贷需求能够得到满足。相较于小农户,大规模经营农户借贷需求更加强烈,并且更容易获得正规金融机构贷款,但是资金满足程度低是制约大规模经营农户发展的重要因素。此外,种养、种养休闲农户借贷需求更加强烈,获得贷款的能力也相对较强;农户拥有的社会资本变量对其能否在正规渠道取得借款有显著正向影响。年轻、接受过农业经营培训农户借贷需求更加强烈,也更容易取得贷款。

Based on a survey data of farmers collected from 11 provinces of China,this paper analyzes the loan demand of rural households by operational scale.A logit model is applied to analyze the associated influencing factors. The study found that 15. 54% of the households surveyed had an effective loan demand.Among them,76.34% were able to obtain loans successfully,and 60.28% of the borrowing needs were met.Moreover,the borrowing demand from large-scale farmers is stronger and more likely be satisfied from formal financial institutions,with high discount of the request,which has become an important factor restricting the further development of large-scale farmers.In addition,the demand for loans is relatively strong and the chance to be satisfied is relatively high for farmers with integrated production in cropping and livestock farming.With more social capital,being young,and highly educated farmers are positively related to loan demand and chance to be satisfied.