呼图壁县农户借贷需求的影响因素分析
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摘要
根据新疆呼图壁县3个乡镇的343户农民家庭实地调查数据,通过运用Logistic模型研究了农户资金借贷的需求情况,并对其影响因素进行分析。结果表明,性别和最高受教育程度与其是否需要借款没有显著差异;户主年龄、受教育程度、常住人口数对农户资金借贷的需求情况有显著的正向影响;平均经营耕地面积和农户的平均收入对其资金借贷需求有显著负向影响。
Based on the field survey data of 343 peasant households from three townships in Hutubi County, Xinjiang, this paper uses Logistic model to study the demand of peasant households for capital borrowing and its influencing factors. The results show that there is no significant difference between gender and the highest level of education in whether they need to borrow money;the age of household head, education level and the number of permanent residents have a significant positive impact on the demand of rural households for capital borrowing;however, the average cultivated land and the average income of rural households have a significant negative impact on their demand for capital borrowing.
Based on the field survey data of 343 peasant households from three townships in Hutubi County, Xinjiang, this paper uses Logistic model to study the demand of peasant households for capital borrowing and its influencing factors. The results show that there is no significant difference between gender and the highest level of education in whether they need to borrow money;the age of household head, education level and the number of permanent residents have a significant positive impact on the demand of rural households for capital borrowing;however, the average cultivated land and the average income of rural households have a significant negative impact on their demand for capital borrowing.
引文
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[2] HOFF K R,BRAVERMAN A,STIGLITZ J E.The economics of rural organization:Theory,practice,and policy[C].Oxford:Oxford University Press,2011:33-52.
[3] PAL S.Household sectoral choice and effective demand for rural credit in India[J].Applied economics,2013,34(14):1743-1755.
[4] 奕香录,刘钟钦,朱琳.辽宁省农村民间借贷状况分析[J].沈阳农业大学学报(社会科学版),2004,6(2):175-177.
[5] 韩星.农户信贷需求研究述评[J].理论导刊,2006(12):81-84.
[6] 李晓明,何宗干.传统农区农户借贷行为的实证分析:基于安徽省农户借贷行为的调查[J].农业经济问题,2006(6):36-38.
[7] 万江红,张远芝.农户借贷行为的调查与特征分析[J].农村经济,2006(7):80-81.
[8] 高石钢.20世纪90年代以来宁夏农户民间借贷实证分析:以宁夏盐池、同心和中宁县为例[J].甘肃社会科学,2006(2):219-223.
[9] 柏雪冬.贫困地区的借贷需求与民间借贷生存研究[J].新疆金融,2009(5):12-15.
[10] 何亚玲.甘肃省农户信贷需求现状分析[J].安徽农业科学,2009,37(20):9687-9688.