种粮大户融资需求意愿及需求量的差异分析

以黑龙江省510户种粮大户实地调研数据为例，对不同规模种粮大户的融资需求意愿及融资需求量进行实证分析。结果表明，种粮大户的融资需求随着种植面积的增加呈递增趋势，但不同规模种粮大户之间差异明显；不同规模种粮大户在借贷金额、借贷期限、借贷利率上存在一定差异，但在借贷用途和融资渠道选择上并没有表现出明显差异。进一步分析总样本和不同规模组种粮大户融资需求意愿及融资需求量的影响发现，总体上，户主技能、家庭收入、土地规模、信贷政策了解程度及地区变量对种粮大户融资需求意愿有显著影响，年龄、户主技能、家庭收入、土地规模及信贷政策了解程度是影响种粮大户融资需求量的主要因素；但从不同分组角度看，种粮大户的融资需求意愿及融资需求量的影响存在一定差异。

Differences in Financing Intention, Financing Demand of Large-scale Grain Growers

This paper takes the field survey data of 510 large-scale grain growers in Heilongjiang Province as an example to make an empirical analysis on the willingness of financing needs and the financing demands of large-scale grain growers of different sizes. The results show that the financing needs presents an increasing trend with the increase planting area, but the differences among growers with different planting scales are obvious. There are some differences in loan amount, loan term and loan rate while there are no obvious differences in the purpose of loan and the choice of financing channels. Through the analysis of the total samples and the financing willingness and financing needs of different size groups, we also find that skills of household heads, family income, land size, degree of understanding of credit policy have a significant impact on the financing needs; these elements are also the main influencing factors on the financing needs.However, from the perspective of different subgroups, there exists a certain difference in the impact on willingness of financing needs and financing demand.