农民资金互助社中关系型贷款技术应用的研究

为了检验新农村金融组织--农民资金互助组织，在发放农户贷款过程中关系型贷款技术的运用情况。以苏北L村农村农户调查数据为基础，运用有序Logistic回归模型和多元回归模型检验了是否拥有互助会业务以及业务龄长这两个“软信息”代理变量对农户贷款金额与频率的影响。实证结果显示：农户“软信息”代理变量与农户从资金互助组织获得贷款的金额和频率有显著的正向影响。表明农民资金互助组织在农户贷款决策中使用了以“软信息”为基础的关系型贷款技术，这有利于增加农户贷款的可得性，缓解农户融资难题。

Empirical Analyses of Relationship Lending in Farmer’s Fund Cooperation Society

Relationship lending mainly based on soft information was used by financial institutions when the borrower lack of hard information such as audited financial statements, credit score, qualified collateral et al. It was crucial to farmer＇ s credit availability that weather the new rural financial institutions apply relationship lending technology. The aim of this paper was to explore the ：impact of banking relation.,~hip and its length, as proxies of soft information, on farmer borrowing from the farmer＇ s fund cooperation. The results of ordered logistic regression model and OLS model showed that the farmer with banking relationship was easier to access to credit than ones with no banking relationship, and the longer the banking relationship was the more credit were attained during the 2005 to 2007. So the business relationship between farraers and cooperative organizations would be beneficial to increase the farmers＇ credit availability and ease the difficulty in rural financing.