| Empirical Analysis of Rural Households’Credit Demand and Influencing Factors of Its Attainability in West Region of China |
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| 引用本文： | 仇娟东,何凤隽.Empirical Analysis of Rural Households’Credit Demand and Influencing Factors of Its Attainability in West Region of China[J].重庆工商大学学报(社会科学版),2011,28(1):28-36. |
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| 作者姓名： | 仇娟东 何凤隽 |
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| 作者单位： | 西北大学经济管理学院;宁夏大学经济管理学院; |
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| 基金项目： | 教育部人文社会科学重点研究基地重大项目(08JJD840187)“中国西部地区农村金融需求与农村微观金融成长研究”; 宁夏哲学社会科学规划项目(07NXBJY06)“欠发达地区农户信贷需求、可得性与农村微观金融成长” |
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| 摘 要： | 本文利用有关调查数据,分析了我国西部地区农户家庭基本特征、农户储蓄情况、农户金融需求基本特征,并运用多分类逻辑回归模型分析了其信贷可得性的影响因素及各因素的作用机制。最后从进一步满足农户的金融需求、非正规金融向正规金融转化机制的完善、农村金融成长机制的设计、以供应链金融带动西部地区农村金融成长等四方面给出了政策建议。
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| 关 键 词： | 西部地区 农户特征 信贷需求 信贷可得性 农村金融 供应链金融 非正规金融 |
Empirical Analysis of Rural Households' Credit Demand and Influencing Factors of Its Attainability in West Region of China |
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| QIU Juan-dong,HE Feng-jun.Empirical Analysis of Rural Households'' Credit Demand and Influencing Factors of Its Attainability in West Region of China[J].Journal of Chongqing Technology and Business University Social Science Edition,2011,28(1):28-36. |
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| Authors: | QIU Juan-dong HE Feng-jun |
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| Institution: | QIU Juan-dong1,HE Feng-jun2(1.School of Economics and Management,Northwest University,Xi'an 710127,China,2.School of Economics and Management,Ningxia University,Yinchuan 750021,China) |
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| Abstract: | Using related survey data,this paper analyzes the basic characteristics,the saving conditions and the financial demand characteristics of the rural households in west region of China,and the influencing factors of attainable credit and the working mechanism of these factors are analyzed by multinomial logic regression model.At last,the author gives the corresponding suggestions from four different perspectives such as further meeting the rural households' financial demand,perfecting the convert mechanism fr... |
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| Keywords: | west region of China characteristics of rural households financial demand financial attainableness rural finance supply chain finance irregular finance |
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