农户金融借贷需求的地区差异及影响因素的实证分析——基于20040个样本调查的经验检验

基于中国人民银行农户借贷情况问卷调查的微观数据,统计分析后发现农户金融借贷需求在地区间具有显著差异,形成地区间4类主导的借贷机构;在地区间影响因素分析上,运用Probit方法,引入影响农户借贷行为的5大类特征变量,揭示特征变量与农户金融借贷需求地区差异关系。结果表明:农户资产存量因素、农户与金融机构之间的互动机制是影响农户金融需求地区差异的主导因素,农户家庭基本情况、人力资本水平、资金用途对借贷地区差异相对弱化。最后,就如何实现我国农村金融差异化平稳发展提出了针对性的政策建议。

The Empirical Analysis about Farmers Financial Borrowing Requirements of the Regional Differences and Influence Factors Based on the Experience Inspection of the 20040 Sample Survey

Based on the micro data about the People＇s Bank of China farmer credit situation survey, statistical analysis found that farmers finan- cial borrowing demand in the region had significant differences that form four dominant lenders. And then use the Probit model, measurement a- nalysis five kinds of characteristic variables about farmers financial borrowing requirements and reveals their relationship. The results showed that farmers inventory assets factors, the interaction mechanism between farmers and financial institutions are the dominant factors affecting regional differences about farmers financial borrowing. The relative weakening of basic family farmers, human capital level and capital uses. Finally, the paper put forward the brief policy suggestions about how to achieve our country rural financial differentiation steady development.