摘要
本文利用有关调查数据,分析了我国西部地区农户家庭基本特征、农户储蓄情况、农户金融需求基本特征,并运用多分类逻辑回归模型分析了其信贷可得性的影响因素及各因素的作用机制。最后从进一步满足农户的金融需求、非正规金融向正规金融转化机制的完善、农村金融成长机制的设计、以供应链金融带动西部地区农村金融成长等四方面给出了政策建议。
Using related survey data,this paper analyzes the basic characteristics,the saving conditions and the financial demand characteristics of the rural households in west region of China,and the influencing factors of attainable credit and the working mechanism of these factors are analyzed by multinomial logic regression model.At last,the author gives the corresponding suggestions from four different perspectives such as further meeting the rural households＇ financial demand,perfecting the convert mechanism from irregular finance to regular finance,designing of the rural financial growing mechanism,and using the supply chain finance to motivate rural financial growth in west region of China.
出处
《重庆工商大学学报（社会科学版）》
2011年第1期28-36,共9页
Journal of Chongqing Technology and Business University：Social Science Edition
基金
教育部人文社会科学重点研究基地重大项目(08JJD840187)"中国西部地区农村金融需求与农村微观金融成长研究"
宁夏哲学社会科学规划项目(07NXBJY06)"欠发达地区农户信贷需求
可得性与农村微观金融成长"
关键词
西部地区
农户特征
信贷需求
信贷可得性
农村金融
供应链金融
非正规金融
west region of China
characteristics of rural households
financial demand
financial attainableness
rural finance
supply chain finance
irregular finance
