农户信贷需求影响因素的实证研究——基于对江苏省建湖县的调查

利用江苏省建湖县273份农户问卷的相关数据,采用Probit模型,对农户信贷需求的影响因素进行了分析,结果表明,影响农户信贷需求的因素主要包括农户本身特征、农户经济活动情况等,其中,农户家庭经营支出、户主的受教育年限和对农信社政策的了解程度对农户信贷需求的影响较为显著。最后,在研究的基础上提出了有针对性的政策建议：发展多元经济,提高农户收入;增加农户人力资本储备,提高农民素质;加大农信社的宣传力度,提高服务质量。

Empirical Study of the Influencing Factors of Farm Households Credit Demand-Based on the Investigation of Jianhu County in Jiangsu Province

The relevant data about 273 farm households in Jianhu County of Jiangsu Province were utilized,and the Probit model was utilized to analyze of the influencing factors of farm households credit demand.The results indicated that the influencing factors of farm households credit demand mainly include: farm household's own characteristics and economic activity and so on.Among of these influencing factors,the effects of the expenditure of families and educated years of the head of households as well as the understanding degree of Rural Credit Cooperatives(RCCs) were remarkable.Finally,on the basis of research,some specific polices and suggestions were put forward,namely,firstly,developing the multi-economy and improving the incomes of farm households;secondly,enhancing the human capital reserve of farm households and improving the quality of peasants;thirdly,strengthening the propaganda of Rural Credit Cooperatives(RCCs) and improving service quality.