农户金融排除的影响因素分析——以浙江省为例被引量：73

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摘要本文在对浙江省农户进行问卷调查的基础上,建立Probit模型和Logit模型对农户金融排除的影响因素进行了分析。研究表明:相当比例的农户处于金融排除状态;农户收入、受教育程度对储蓄排除、贷款排除、基本保险排除这三类主要的金融排除均有显著的负作用,而家庭规模则体现出显著为正的影响;但是,户主年龄、就业状态、农户经营的耕地面积等因素并没有对这三类金融排除发挥一致的作用,因而需要根据具体的情况提出针对性的建议,来有效降低农户的金融排除程度,促进城乡和谐发展。

作者徐少君金雪军

机构地区浙江大学经济学院

出处《中国农村经济》 CSSCI 北大核心 2009年第6期62-72,共11页 Chinese Rural Economy

关键词金融排除农户影响因素

分类号 F323.8 [经济管理—产业经济] F832.1 [经济管理—金融学]

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