| 我国农户金融参与意愿及其影响因素分析——基于河北省435名农户的调研数据 |
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| 引用本文： | 刘洁,秦富.我国农户金融参与意愿及其影响因素分析——基于河北省435名农户的调研数据[J].技术经济,2009,28(4):81-87. |
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| 作者姓名： | 刘洁 秦富 |
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| 作者单位： | 中国农业科学院,农业经济与发展研究所,北京,100083 |
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| 基金项目： | 中央级公益性科研院所基本科研业务费(中国农业科学院农业经济与发展研究所)专项资金资助项目，中国农业科学院农业经济与发展研究所农业政策顾问团博士后项目 |
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| 摘 要： | 本文基于对河北省435户农户进行问卷调查所得的数据,运用二元Logit模型,对影响我国农户金融参与意愿的因素进行了分析。研究认为:农户户主的年龄、文化程度、信用社社员身份、农户家庭经营土地面积、农户家庭净资产水平以及农户对金融机构存贷款利率的认知对农户借贷意愿具有显著影响。最后,提出了促进我国农村金融发展的对策建议。
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| 关 键 词： | 农户 金融参与意愿 影响因素 二元Logit模型 |
Financial Participation Will of Farmer Householder and Its Influencing Factor:Based on Survey about 435 Farmers in Hebei Province |
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| Liu Jie,Qin Fu.Financial Participation Will of Farmer Householder and Its Influencing Factor:Based on Survey about 435 Farmers in Hebei Province[J].Technology Economics,2009,28(4):81-87. |
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| Authors: | Liu Jie Qin Fu |
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| Institution: | Institute of Agricultural Economics and Development;Chinese Academy of Agricultural Sciences;Beijing 100083;China |
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| Abstract: | Based on the survey data about 435 farmer households in Hebei province,this paper analyzes the factors impacting financial participant will of farmer households by binary Logit model.It draws the conclusion that the age and education level of head of farmer householder,the status of member in the rural credit cooperative,the area of land for operation,the net assets of family and the cognition degree of farmer to deposit and loan interest rate of formal financial institutions,have impacts on credit particip... |
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| Keywords: | farmer householder financial participantion will influencing factor binary Logit model |
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