| 农户金融需求影响因素实证分析——以安徽省为例 |
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| 引用本文： | 廖宜静.农户金融需求影响因素实证分析——以安徽省为例[J].湖南农业科学,2017(5). |
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| 作者姓名： | 廖宜静 |
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| 作者单位： | 安徽农业大学经济管理学院,安徽合肥,230036 |
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| 基金项目： | 安徽省教育厅人文社会科学研究重点项目 |
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| 摘 要： | 采用随机方式对安徽省16地市的农户进行问卷调查,对农户借贷需求进行统计分析,并分皖南、皖中和皖北3个地区对农户借贷行为的影响因素利用Probit模型进行实证分析,结果表明:安徽省农户金融需求较为旺盛,但从金融机构获得贷款较难;皖南、皖中和皖北地区农户金融需求影响因素有所不同,其中农户家庭年收入和农户借款历史是影响3个地区农户金融需求共同的因素,且影响较为显著。
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| 关 键 词： | 农村金融 农户 金融需求 影响因素 Probit模型 安徽 |
Empirical Analysis on Influencing Factors of Farmers' Financial DemandBased on Surveyin Anhui Province |
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| LIAO Yi-jing.Empirical Analysis on Influencing Factors of Farmers' Financial DemandBased on Surveyin Anhui Province[J].Hunan Agricultural Sciences,2017(5). |
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| Authors: | LIAO Yi-jing |
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| Abstract: | This study makes a statistical analysis of farmers' loan need based on the random questionare to farmers from 16 cities of Anhui Province. In addition, it also makes an empirical analysis on the influencing factors of farmers' financial behavior in southern, middle and northern Anhui regions through Probit model. The results proved that there is strong financial demand of Anhui farmers. However, it is difficult to obtain loans from financial institutions. The influencing factors of farmers' financial demand vary to some extent in the southern, middle and northern Anhui regions. Among these factors, annual family income and loan records are the common factors in the three regions and the impact is significant. |
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| Keywords: | rural finance farmer financial demand influencing factor Probit model Anhui Province |
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