摘要
本文借助新疆1148份少数民族农户调查数据,构建Probit模型分析影响农户借贷行为因素。结果表明,发生借贷行为的农户比例较高,且借款具有短期、低额度、高利率等特点,农户更希望从正规金融渠道来获得借款。而人口特征对农户借贷行为发生率的影响较大,且农户生产性和消费性借贷需求程度较为接近。
Based on the survey data of 1148 ethnic minority farmers in Xinjiang, the paper builds Probit model to analyze the fac-tors influencing farmers’ borrowing behaviors. The results show that the percentage that farmers have ever borrowed is higher, and the borrowing has such characteristics as short-term, low limit and high interest rates and so on, and farmers more hope to obtain a loan from the formal financial channels. The effect ofpopulation characteristics on the incidence of farmers’ borrowing is greater, and the degree ofproduction and consumption borrowing is similar.
出处
《西部金融》
2017年第4期21-25,43,共6页
West China Finance
关键词
少数民族农户
借贷行为
影响因素
minority farmer
borrowing behavior
influencing factor
