摘要
基于2 131份有效调查问卷数据,运用有序Probit模型对农产品电商不同融资方式选择的影响因素进行研究。研究发现:农产品电商选择从P2P等非正规金融机构融资,还是从农村信用社等正规金融机构融资,这与农产品电商的户主禀赋变量、家庭特征变量及区域特征变量紧密相关;在户主禀赋变量、家庭特征变量和区域特征变量方面具有优势的农产品电商,更倾向于从P2P等非正规金融机构融资,反之,则倾向于从农村信用社等正规金融机构融资。
Based on the data of 2131 valid questionnaires,this paper has analyzed the factors about the different financing choices of the online enterprise of agricultaral products,by ordered Probit model.The result shows that the online enterprise of agricultural products choice of the formal finance such as P2 P,or the informal finance such as rural credit cooperatives is related to their householder variables,their family variables and the area variables.And what＇s more,if the advantage of the online tnterprise of agricultural products is more obvious,the formal finance such as P2 Pwill be selected;if not,the informal finance such as rural credit cooperatives will be preferred.
出处
《统计与信息论坛》
CSSCI
北大核心
2016年第11期103-111,共9页
Journal of Statistics and Information
基金
重庆社会科学院基础研究课题<农产品电商发展的福利效应研究>(2016jc-2)
重庆市教委科技项目<基于金融排斥视角的重庆农村民间金融规范化发展路径研究>(kj1400508)
国家社会科学基金青年项目<金融服务创新促进新型农业经营主体发展的长效保障机制研究>(14CJY049)
关键词
农产品电商
融资方式
正规金融
非正规金融
有序PROBIT模型
the online enterprise of agricultural products
the financing made
formal finance
informal finance
the ordered Probit model
