摘要
以湖南省225个农户的调查数据为基础,运用Tobit模型对农户信贷服务可得性的影响因素进行实证分析,得出如下结论:受教育水平、家庭劳动力人口、社会关系等对农户信贷服务可得性有显著的正向影响,农户年龄、离最近的农村金融机构的距离、家庭支出等对农户信贷服务可得性有显著的负向影响。在此基础上,从农户、农村金融机构和政府等层面,提出加强农户与金融机构之间的信息沟通、提高农户信贷服务可得性的对策建议。
Based on the survey data on 225 farmer households in Hunan Province, an empirical analysis is conducted on the factors influencing farmers＇ accessibility to credit services by using Tobit model. The following conclusions have been obtained. Education level, family labor force, social relationship have significantly positive effects on farmers＇ accessibility to credit services, while farmers＇ age, the distance from the nearest rural financial institutions, family spending have significantly negative effects on farmers＇ accessibility to credit services. According to the empirieal research findings, it is proposed how to strengthen the communications between farmers and financial institutions to upgrade farmers＇ accessibility to credit services individually from the aspects of farmers, rural financial institutions and government.
出处
《福建农林大学学报（哲学社会科学版）》
2016年第4期14-20,共7页
Journal of Fujian Agriculture and Forestry University(Philosophy and Social Sciences)
基金
国家社科基金项目(13BJY097)
湖南省社科基金年度项目(15YBA194)
关键词
信贷服务
可得性
影响因素
融资比例
credit services
availability
factors
the proportion of financing
