欠发达地区农村信贷配给问题研究

以交易费用理论为基础建立了农户—银行决策模型,发现农户和银行2个主体都面临着高额的交易费用,在此基础上建立了logit回归模型和多元线性回归模型,分别探究影响农户贷款可得性以及农户贷款满足度的影响因素,发现受教育年限、财产情况对2者的影响都为显著,是否有多次借贷经历仅在满足度模型中影响显著。并就此提出了加强信用评级,推行产业组织和农户资金合作社,降低农村金融市场准入门槛等建议。

Research on Rural Credit Rationing in Underdeveloped Areas

This paper established a farmer-bank decision-making model based on the transaction cost theory, and find that both the farmer and the bank are faced with high transaction costs, on this basis, the logit regression model and the multiple linear regression model are established respectively to explore the influencing factors of farmer loan availability and farmer loan satisfaction, find out whether the influence of education and property situation are both significant, and whether there are many borrowing experiences that this variable is significant in the satisfaction model. It is proposed to strengthen the credit rating, the implementation of industrial organizations and farmer funds cooperatives, lower barriers to rural financial market access and other recommendations.