摘要
本文基于太原市清徐县360份问卷调研数据,先定性分析农户借贷需求在新形势下所呈现的特征及其背后的原因,然后运用Prbit模型定量研究各因素的边际影响。回归结果表明:影响农户生产性借贷需求最显著的因素是农户从事的行业和家庭到邻近集镇距离;其次是性别、技能;最后是年龄、借贷利率、家庭人均收入及正规教育年限;家庭人口组成(包括农户年龄)成为农户消费性借贷最显著影响因素,家庭耕地及婚姻对农户的借贷需求没有显著影响。
On the basis of the data from 360 questionnaires of Qingxu county, Tai yuan city, the authors first make a qualitative analysis of the features of farm ers’ borrowing demand in the new situation and the reasons for them, and then u ses Prvit Model to make a quantitative research of the marginal effect of each f actor. The regression result shows the most prominent factor influencing the pro duction borrowing demand is the distance between farmers’ line of work and fami ly and nearby market town; next come g...
出处
《经济经纬》
CSSCI
北大核心
2009年第5期140-143,共4页
Economic Survey
关键词
中部较发达地区
农户借贷需求
影响因素
the more developed middle area
farmers’ borrowing demand
i nfluencing factor
