新疆农户借贷行为影响因素分析

该文以新疆212户农户调查数据为基础,分析新疆农户借贷行为特征,并运用Probit模型及Tobit模型分别估计正规借贷、非正规借贷行为的借贷意愿及借贷规模的影响因素,结果表明:借贷用途、是否入股信用社、对银行信贷政策的认知、地区分布是共同影响农户正规借贷意愿及借贷规模的主要因素;而房屋价值、医疗支出、家庭到金融机构的距离、正规借贷利率则是共同对农户非正规借贷意愿及借贷规模产生显著影响的因素。

An Analysis of the Influencing Factors of the Rural Household Borrowing Behavior in Xinjiang

This article analyzes the borrowing characteristics of farmers based on a survey of 212 rural households in Xinjiang, uses the Probit model and the Tobit model to estimate the influencing factors of the wishes and scales of the formal land informal borrowing behavior respectively. The results show that the main factors that combine to affect the wishes and scales of the formal borrowing include borrowing purposes, whether to become shareholders of rural credit cooperatives, ideas of credit policies, geographical distribution; while the house value, medical expenses, the distances from family to the financial institutions, and formal rates are the significant factors that combine to influence the wishes and scales of informal borrowing.