中部地区农村金融资源需求的影响因素分析

本文运用中国农村金融发展研究项目数据,构建了影响农村金融资源需求的影响因素,在此基础上利用Tobit模型对中部省份的农村金融资源需求的影响因素作回归分析。分析表明,中国中部八省农户选择金融资源主要受到户主的年龄、性别及所经营的主业的影响,而家庭赡养老人与供养孩子上学的负担、家庭金融资源存量、从事副业的情况并不是影响金融资源选择的主要因素。

An Empirical Analysis of Factors Influencing Central Regions' Rural Financial Resource's Demanding Based on Tobit

Based on data collected by the Hongkong Bank,the article design measures of the rural financial resource demanding.And then it uses Tobit Regression Model to analyses the factors impacting the rural financial resource demanding.We find,its mainly factors influencing the rural financial resource demanding are decision maker’s age,sexual and local main working conditions,not for the old,the education,the samings and the parttines.