摘要
基于对河北省唐山市农村居民的实地调研,发现在相对富裕的农村存在农户信贷参与度低的问题。通过因子分析、分类有序logit和多重响应交叉表等多种统计计量方法进行分析和检验后发现,供给层面正规的银行贷款利率高、额度小、手续繁琐、还款期限短、审批周期长成为农户贷款额度低的主要原因,需求层面农村居民的金融意识和偿债能力也制约了信贷参与度。信贷需求和信贷参与度背离的现象反映出农村金融市场的不完善,政策上应该优化金融供给,加强金融知识普及,完善居民收入结构。
Based on the investigation of farmers in Tangshan rural areas of Hebei province, this paper finds in relatively affluent rural regions there are problems of low credit participation. Through statistical and econometric methods of factor analysis, logit and multiple response cross table for analysis and testing, we find that the supply aspects become the main reasons hindering farmers. Loans with high interest rate, small amount, complicated formalities, short the repayment period and long approval period are the major factors hindering rural households＂ credit participation. The demand levels of rural households＂ financial awareness and solvency also have a certain impact. The deviation phenomenon between solvency, the shortage degree of funds and the credit participation reflects the imperfection of rural financial market. We should optimize financial supply, strengthen financial knowledge popularization and improve the income of rural households＂ structure.
作者
李程
杨皓熙
武映帆
张慧敏
Li Cheng;Yang Haoxi;Wu Yingfan;Zhang Huimin(School of Economics and Management,Tianjin Polytechnic University,Tianjin 300387,China)
出处
《金融理论探索》
2018年第5期70-80,共11页
Exploration of Financial Theory
基金
国家社会科学基金项目"基于产业关联的资源环境约束下全要素生产率增长研究"(14CTJ005)
天津市哲学社会科学项目"金融发展视角下的天津市结构化去杠杆机制
路径和对策研究"(TJYY17-008)
天津市哲学社科规划课题"空间收敛视角下京津冀金融跨区域治理研究"(TJYY16-015)
关键词
信贷参与度
信贷约束
农村金融
农村居民
credit participation
credit restraints
rural finance
rural residents
