不同渠道下农户是否借贷及借贷规模影响因素分析

doi:10.14088/j.cnki.issn0439-8114.2021.14.034

湖北农业科学 ›› 2021, Vol. 60 ›› Issue (14): 184-191.doi: 10.14088/j.cnki.issn0439-8114.2021.14.034

不同渠道下农户是否借贷及借贷规模影响因素分析

郜梦琪, 郭晖

新疆农业大学经济与贸易学院,乌鲁木齐 830052

收稿日期:2020-04-13 出版日期:2021-07-25 发布日期:2021-08-09
通讯作者: 郭晖（1971-）,女,浙江淳安人,副教授,主要从事农村金融研究,（电话）15199111586（电子信箱）1446207420@qq.com。
作者简介:郜梦琪（1992-）,女,山西高平人,在读硕士研究生,研究方向为农村金融,（电话）18634272045（电子信箱）gaomengqi1028@163.com
基金资助:
新疆维吾尔自治区社会科学基金项目（2014BJY025）

Analysis of factors influencing farmers’ borrowing and borrowing scale under different channels

GAO Meng-qi, GUO Hui

College of Economics and Trade,Xinjiang Agricultural University,Urumqi 830052,China

Received:2020-04-13 Online:2021-07-25 Published:2021-08-09

摘要/Abstract

摘要： 农户借贷满足对增加农户收入和发展农村经济至关重要。基于山西省高平市520个样本农户的实地调研数据,实证分析农户是否借贷及影响借贷规模的因素。根据借贷渠道的不同,将农户借贷分为正规借贷和民间借贷,进行分样本回归。结果表明,风险偏好对农户是否借贷显著正向影响,年龄和家庭耕地面积对农户是否借贷显著负向影响;年龄和受教育程度对农户借贷规模显著负向影响,对借贷政策的认知度和家庭总收入对农户借贷规模显著正向影响。从不同渠道来看,不同变量对农户是否借贷和借贷规模的影响有所不同。

关键词: 正规借贷, 民间借贷, 借贷渠道, 借贷规模, 影响因素

Abstract: Farmers’ loan satisfaction is very important to increase farmers’ income and develop rural economy. Based on the field survey data of 520 sample farmers in Gaoping city of Shanxi province, this study empirically analyzed the influencing factors of whether the farmers borrow and the scale of borrowing. According to the different borrowing channels, farmers’ loan was divided into formal borrowing and private borrowing, and the sub-sample regression was conducted. The results showed that, the risk preference had a significant positive impact on whether the farmers borrowed, the age and the cultivated land area had a significant negative impact on whether the farmers borrowed; the age and the education level had a significant negative impact on the scale of farmers’ borrowing, the awareness on the borrowing policies and the total household income had a significant positive impact on the scale of farmers’ borrowing. From the perspective of different channels, different variables had different effects on whether farmers borrow and the scale of borrowing.

Key words: formal borrowing, private borrowing, borrowing channels, borrowing scale, influencing factors

中图分类号:

F830.58

郜梦琪, 郭晖. 不同渠道下农户是否借贷及借贷规模影响因素分析[J]. 湖北农业科学, 2021, 60(14): 184-191.

GAO Meng-qi, GUO Hui. Analysis of factors influencing farmers’ borrowing and borrowing scale under different channels[J]. HUBEI AGRICULTURAL SCIENCES, 2021, 60(14): 184-191.

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不同渠道下农户是否借贷及借贷规模影响因素分析

Analysis of factors influencing farmers’ borrowing and borrowing scale under different channels

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