XIANG Libin,WANG Jing,HU Guangyin.An Empirical Analysis of Influencing Factors of Getting Loans According to Farmer Intergenerational Differences in Yanliang[J].Northern Horticulture,2019,43(04):167-173.[doi:10.11937/bfyy.20181042]
代际差异视角下阎良农户银行获贷影响因素分析
- Title:
- An Empirical Analysis of Influencing Factors of Getting Loans According to Farmer Intergenerational Differences in Yanliang
- Keywords:
- farmer; intergenerational differences; influencing factors; rural loan
- 文献标志码:
- A
- 摘要:
- 农村金融中的正规借贷是服务“三农”的有力途径，是促进农村经济发展的关键。农户对于资金的需求日益扩大，然而农村金融供给还存在着一些信息不对称产生的问题。该研究通过对陕西阎良300多份农户调查问卷的整理，在代际差异视角下，运用Logistics模型，实证分析了农户特征、家庭特征、农户经济行为、社会关系等对农户贷款可得性的影响因素。结果表明：通过调查阎良区的农户，对于45岁以下农户，受教育程度越高、与亲戚朋友的亲密程度、互惠程度和信任程度越高，越容易获得贷款，同时，家庭经营类型为非农业的更易获得贷款；对于45岁以上农户，年龄越小、经营类型、家庭年收入、作物种类和是否加入合作社的影响显著。通过对2类农户对比研究发现，代际差异存在于获得贷款的影响因素。
- Abstract:
- Formal lending in rural finance is a powerful way to serve ‘agriculture,rural areas and farmers’.It is the key to promote rural economic development.The demand for funds by farmers is expanding.However,there are still some problems caused by asymmetric information in rural financial supply.Based on the questionnaire survey of more than 300 farmers in Yanliang,Shaanxi Province,using Logistics model,this study empirically analyzed the influence of farmer characteristics,family characteristics,farmer′s economic behaviors and social relations on the availability of farmer loans under the perspective of intergenerational differences.The empirical results showed that for farmers in Yanliang,there were significant impacts on farmer under 45 years old,the higher education level，family working type,intimate,beneficial and trust with others were good for getting a loan；for farmers over 45 years old,the younger age，annual family income，crop type and whether to join the cooperative had significant impacts.By the comparative study of 2 types of farmers we found that intergenerational differences existed in the influencing factors of rural loan.
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备注/Memo
第一作者简介：相立宾（1992-），男，河北石家庄人，硕士研究生，研究方向为农业组织与市场。E-mail:xianglibin1992@163.com.责任作者：王静（1966-），女，陕西汉中人，博士，教授，研究方向为金融工程与农业投资。E-mail:jing.wang@nwsuaf.edu.cn.基金项目：国家自然科学基金资助项目（71373207）；中国博士点基金资助项目(20130204110034)。收稿日期：2018-05-15