不同类型农户贷款行为特征及其影响因素——基于连续6年农户贷款面板数据

采用方差分析和随机效应模型对山东省不同发展区域的573户农户连续6年的贷款调研数据进行分析,研究不同类型农户贷款行为特征及其影响因素。结果表明:1)靠农农户受年龄、田地面积和贷款额度是否够用的影响因素显著高于非靠农农户(P0.01);但在教育年限、劳动力、农户性质、社会资源、家庭总资产、总负债、家庭纯收入、授信额度、年贷款额和平均贷款额上显著低于非靠农农户(P0.01);2)不同类型农户授信金额的影响因素不同。家庭人口、农户性质、社会资源、家庭总资产、家庭纯收入和年贷款金额对非靠农农户的授信金额有显著的正向预测作用(P0.01);田地面积、性别、贷款额度是否够用、平均贷款金额和年龄对非靠农农户的授信金额有显著的负向预测作用(P0.01);教育年限、农户性质、社会资源、额度是否够用、年纯收入和年贷款金额对靠农农户的授信金额有显著的正向预测作用(P0.01),田地面积和性别对靠农农户的授信金额有显著的负向预测作用(P0.1)。不同类型农户贷款行为特征及其影响因素差异较大,应针对不同类型的农户制定不同的农户贷款政策。

Characteristics and influencing factors of different type farmer's loan behavior:Based on the farmers loan panel data for consecutive 6 years

In order to reveal the characteristics and influencing factors of different type farmer''s loan behavior,investigation data of 573 farmers for 6 years in different areas were analyzed using ANOVA analysis and random effect models.The result indicated:1) The impacts of age,farmland and Available Credit Limit status of Farmers who lived on agriculture were significant higher(P<0.01) than those did not.Farmers who lived on agriculture are significant higher than farmers who didn''t live on agriculture in age,farmland and whether enough or not in Available Credit Limit(P<0.01);but the impacts of education,labor,property of farmers,social resource,total assets of the family,total liabilities,family net income,Available Credit Limit,amount of credit in one year and the amount of average credit(P<0.01) were significant lower(P<0.01) than later;2) The effect of Available Credit Limit was different to different type of farmers.To farmers who didn''t live on agriculture,the Available Credit Limit was significantly and positively affected by domestic population,property of farmers,social resources,total assets of the family,total liabilities,family net income and years of the loan amount(P<0.01),but negatively affected by land acreage,gender,Available Credit Limit,Available Credit Limit status,the amount of average credit and age(P<0.01).To farmers who lived on agriculture,their Available Credit Limit was significantly and positively affected by education years,property of farmers,social resources,whether enough or not in Available Credit Limit,family net income and years of the loan amount(P<0.01),but negatively affected by land acreage and gender(P<0.01).In conclusion,different loan policy should be adopted for different type of farmers.