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人力资本与就业状况对农民工信贷需求、途径的影响
引用本文:熊德平,章合杰,李雯雯.人力资本与就业状况对农民工信贷需求、途径的影响[J].华南农业大学学报(社会科学版),2013,12(4):35-40.
作者姓名:熊德平  章合杰  李雯雯
作者单位:宁波大学 商学院,;宁波大学 商学院,;宁波大学 商学院,
基金项目:国家自然科学基金项目(71273144);国家社科基金重大招标项目(11&ZD047)、(11&ZD141);宁波大学区域经济与社会发展研究院重大招标项目(QYJYD1103)
摘    要:基于宁波市农民工金融行为问卷调查的数据,从人力资本、就业状况视角对农民工信贷需求、途径的影响因素进行了计量分析。结果表明:性别、年龄、累计务工年限和就业方式对农民工信贷需求具有显著影响,其他因素对农民工信贷需求不具有显著影响;性别、年龄、累计务工年限和收入对农民工正规信贷途径有显著影响,其他因素对农民工正规信贷途径不具有显著影响。在对结果进行解释之后,提出了主要结论和对策建议。

关 键 词:人力资本  就业状况  农民工  信贷需求  信贷途径
收稿时间:7/6/2013 12:00:00 AM

The Influence of Human Capital and Employment Status on Credit Demand and Credit Pathway of Farmer Workers
XIONG De-ping,ZHANG He-jie and LI Wen-wen.The Influence of Human Capital and Employment Status on Credit Demand and Credit Pathway of Farmer Workers[J].Journal of South China Agricultural University:Social Science Edition,2013,12(4):35-40.
Authors:XIONG De-ping  ZHANG He-jie and LI Wen-wen
Institution:( School of Business, Ningbo University, Ningbo 315211, China)
Abstract:Based on the survey on financial behavior of 650 farmers in Ningbo, the paper conducts quan- titative analysis on the influence factors of farmer workers' credit demand and credit pathway from the per- spectives of human capital and employment status. The result shows that gender, age, accumulated work- ing years and way of employment have a significant impact on credit demand of farmer workers while other factors do not have significant influence. Gender, age, accumulated working years and income have a significant impact on formal credit of farmer workers, while other factors have no significant impact. Ex- planations were made on the results, the paper draws the main conclusions and put forward policy recom- mendations.
Keywords:human capital  employment status  farmer workers  credit demand  credit pathway
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