新型农村金融机构引入区农户借贷行为影响因素实证研究

通过对西部两省6个新型农村金融机构引入县域517家农户的问卷调查，运用多分类Logistic回归模型对农户借贷行为的影响因素进行实证分析。结果显示，劳均负担人口等5个变量对只获得新型农村金融机构贷款影响显著；农户年收入等7个变量对只获得非新型金融机构贷款影响显著；农户耕地面积等5个变量对同时获得两类贷款影响显著。农户年收入、负债水平在以上3种情况下均显著地影响了农户的借贷行为。针对影响农户不同借贷行为的决定性因素及其作用方向，提出了相应的政策建议。

Research on Influence Factors of Borrowing by Rural Households in areas with the New-type Rural Financial Institutions

Based on the analysis of the influence factors of borrowing by 517 rural households from the six New-type Rural Financial Institutions introduced counties in Western Region, using classification Logistic Regression Model to analyze the decisive factors of the demand of peasant households loans. The quantitative modeling analysis shows that a number of factors significantly affected the farmer's lending practices, such as age of head, education degree of head, number of dependents per family, cultivated land, the value of productive fixed assets, total income, total consumption expenditure, levels of debt, village cadres or civil servants, bank staff, household production type.In light of the influence factors and how it works, the authors provide some suggestions on how to improve it.