Empirical Study on the Influencing Factors of Rural Households' Credit and Loan Demand——Investigation Based on Jianhu County, Jiangsu Province

By using the relevant data from 273 valid questionnaires of rural households in Jianhu County, Jiangsu Province, this study emphasizes on the factors of rural households' credit and loan demand by Probit model. The results show that the factors that influencing the credit demand of rural households include the features of the rural households, the economic activities of rural households and so on. Among the factors, the operation expenditure of rural households, the education degree of the household head and the understanding degree of the rural credit policies have great impact on the rural households' credit and loan demand. In the end, the suggestions on the basis of the research are put forward: developing diversified economy; improving rural households' income; increasing the reserve of rural labor resources and enhancing farmers' quality; strengthening the promotion of rural credit cooperative and perfecting the service quality of rural credit cooperative.

农户林权抵押贷款行为及影响因素分析——来自浙江丽水的样本农户数据

利用2010年在浙江省丽水市3个县(市)9个乡镇28个行政村随机抽取的591户农户调查数据,对影响农户林权抵押贷款需求的情况进行计量分析。主要研究户主个人特征、农户家庭特征、农户家庭经济状况以及金融服务对于农户林权抵押贷款需求的影响。研究表明:农户家庭拥有的林地面积、家庭支出和贷款贴息政策等因素对农户的信贷需求产生正显著影响;户主年龄、贷款用途是否限制对农户的信贷需求产生负的显著影响。提出进一步促进农户贷款需求的政策建议。

西部地区农户金融需求及其影响因素的实证分析

以中国西部地区农户的借贷为基本研究对象,结合有关调查数据,分析了农户的信贷需求情况,并用Probit模型分析了西部地区农户金融需求的影响因素。分析表明:西部地区农户具有广泛的金融需求但从正规金融机构获得贷款的比例较低,其对利息具有一定的承受能力,借贷以短期、小额为主,用途兼有生活与生产性、但以生活性为主,借款未归还的比重较低。人口、劳动力、学生人数、劳动力平均年龄、劳动力最高受教育程度、家庭经营的土地面积、家庭收入、家庭储蓄水平、家庭收入来源、家庭距正规金融机构的距离、信用社是否对农户的评级、农户所在地是否存在有息借贷等指标,是影响西部地区样本农户是否具有金融需求的显著因素。