城乡转型区域农户借贷行为影响因素分析——以西安市长安区为例

通过对陕西省长安区486户农户问卷调查,运用probit回归模型对农户借贷行为影响因素进行实证分析,结果显示,家庭人口、家庭总资产、家庭总收入、借款用途等因素对农户借贷行为的影响较为显著。针对影响农户借贷需求因素的状况以及其中的问题和成因,为促进陕西省城乡转型区域农业结构转换与产业升级,政府必须以完善农村借贷机制为主,联合金融机构做好农户生活性借贷和生产性借贷的区分和指导工作,建立新型信用指数制度,健全农村金融市场体系,切实规范民间借贷等非正规金融活动行为。

The Influencing Factors in Peasant Households' Money Borrowing in the Urbanizing Rural Areas --Chang'an District, Xian City, Shaanxi Province Taken for Example

486 peasant households in Chang’an District,Xian City,Shaanxi province chosen as respondents,a questionnaire of peasant households’ behavior of money borrowing was conducted using the bi-variate probit analysis model.The results showed that such factors as the population of a peasant household,the total value of the peasant household’s assets,the total income of the peasant household and its money borrowing purpose played an important role in the peasant household’s money borrowing.In view of the factors and causes that affect peasant households’ behavior of money borrowing,and in order to promote the rural industrialization and the upgrade of the agricultural structure of the urbanizing rural areas,our governments at all levels are suggested to improve their mechanism and policy of lending money to peasant households,combine with financial institutions to distinguish peasant households’ borrowing money for daily life from doing so for agricultural production,establish a new-type credit index system,perfect the rural financial market system,and eventually come to make the current informal financial activities like the rural folk money borrowing.