摘要
笔者以陕西省400个农户的调查数据为基础,运用方差和Logit回归分析,对农户正规信贷违约的影响因素进行实证研究。结果显示,户主文化程度、家庭收入、打工人数、是否种粮户、是否有借款、贷款金额及借贷方式以及农户的主观努力程度等对农户信贷违约具有显著影响。笔者据此得出农户家庭经营能力、经济结构和收入以及信贷产品设计是影响农户信贷违约关键因素的结论,并提出增强农户经营管理能力、扶持农户多元增收和完善金融服务模式等政策建议。
The paper analyzes the effect factors of the households’ default of credit on the basis of 400 farmers’ questionnaire from Weinan Shanxi by the Variance and Logistic Regression Model.The results show that factors such as education level of the household head,households’ income and the sources,the farming portfplio the credit and debt practices have significant effects for the households’ credit default.The farmers’ management ability,households’ economic structure,income and the design of the credit products are the key consideration for the default of the credit.It is advised to improve the farmers’ management capabilitiy,enlarge their income sources and improve the financial services.
出处
《经济经纬》
CSSCI
北大核心
2013年第2期33-37,共5页
Economic Survey
基金
教育部2011年度长江学者和创新团队发展计划基金资助项目(IRT1176)
国家自然科学基金项目(71073126)
国际农业发展基金中国农村金融资助项目(20080716-1)
2010年度高等学校博士学科点专项科研基金资助项目(20100204110030)
关键词
信贷违约
农户
影响因素
Credit Default
Households
Influence Factor
