农户面临的融资约束及影响因素分析——基于湖南省7县236户农户的调查

湖南省7县236户农户的Logistic回归模型考察的影响因素显示，年龄、文化程度、对待风险的态度、收入来源、存款余额占收入比例、是否出现过不能按时还款的情况、家庭成员中是否有村干部、本村是否有农村信用社的信贷员等变量对农户融资约束有显著影响。因此，应通过加大农村教育投入、为农户提供技术培训和市场信息等支持性服务、不断开展创新和设计合理的贷款产品以及培育社会型的农村金融机构等缓解农户融资约束。

Financial Restriction on Peasant Households and Some Influence Factors: Based on an Investigation of Some Hunan Peasant Households

The investigation, through logistic regression model, of 234 peasant households of 7 Hunan counties shows that some variables have a significant impact on the financial restriction on the peasant households, for instance, age, education level, attitude towards risk, source of income, proportion of deposit balance in income, whether loan was not paid on time, whether there is a village cadre in the family, whether there is a loan officer of rural credit cooperative in the village and so on. Therefore, it is necessary to increase input in rural education, provide peasant households with services like technical training and market information, constantly develop innovative and well-designed loan products, and foster society-oriented financial institutions.