摘要
以天津地区农户的借贷需求为研究对象,在天津地区选取200户农户进行问卷调查。根据调查结果发现,有一半以上的农户有借贷需求,借款来源主要是向其亲朋好友以及私人贷款机构进行借款,而通过正规的金融机构借款较少。影响借款需求的主要因素为劳动力人数、劳动力年龄、家庭上学人数等。通过多元回归模型对天津地区农户借贷需求的影响因素进行了分析,结果表明农户家庭中劳动力人数及家庭平均年龄与借贷需求呈负相关;家庭上学人数及大病人数与借贷需求呈正相关。针对上述影响因素,对如何满足天津地区农户借贷需求提出了相应的建议。
This study focused on the borrowing requirements of Tianjin rural area by means of 200 households questionnaire. According to the investigation that more than half of households have loan demand, the main source was from their friends, family or private lending institutions, and less borrowed from formal financial institutions. The number of labor, the age of labor and the number of school age children were the main influence factors. Based on the multivariate regression model, the result showed that the number of labor and the average age in one family were negative correlation with the borrowing requirements. While the number of school age children and the number of illness in one family were positive correlation with the borrowing requirements.The suggestion of how to promote borrowing requirements in Tianjin rural area was put forward.
出处
《天津农业科学》
CAS
2016年第9期88-91,共4页
Tianjin Agricultural Sciences
关键词
农村
借贷需求
多元回归
rural
borrowing requirements
multivariate regression
