摘要
借款是解决农户自有资金不足的重要途径，但需要资金的农户却并不一定都能顺利借款或者借入足够的款项，其实际借款规模会受到很多因素的影响。文章使用TOBIT模型对农户借款规模的影响因素进行分析，发现农户收入水平、农户生活消费支出与年末拥有居住房屋原值显著影响其借款规模，而农户生产经营投资规模、医疗住院费支出、人际关系状况与借款规模之间的关系不显著。
Borrowing is an important way to resolve the scarcity of funds for the households. However, not all households could obtain money or enough money from lenders. The borrowing scale is influenced by many factors. Through analyzing the correlation between the borrowing scale and the factors, we found that income, the consumption payout and the original value of house in the end of one year influenced the borrowing scale remarkably, but that investment, medical expenditure and relationship are not correlated with the borrowing scale remarkably.
出处
《上海管理科学》
2009年第3期27-29,共3页
Shanghai Management Science
基金
国家自然科学基金(70141022和70673065)资助
