较发达地区农户参与农信社小额信贷程度的影响因素分析——基于苏北金湖农户“直接意愿”调查的实证检验

结合农户借贷行为特征,采用江苏省金湖县273个农户实地调查数据,通过基于"直接意愿调查法"的二元Probit模型,从需求和供给两方面实证分析中国较发达地区农户小额信用贷款的现状及影响因素,结果显示,外出务工人数、农村家庭大额非日常支出、农户人际关系的强弱和正规社会资本资源显著影响农户小额信贷的需求,而非农收入比重、农户兼业类型及地区人均贷款显著影响农户获得小额信贷的概率。因此,重视和挖掘农户潜在信贷需求,改进信贷产品服务和质量,满足农户多样化的资金需求,才是实现农村小额信贷的可持续发展之道。

Influencing Factors of Rural Credit Cooperative's Micro-Credit in Relatively Developed Areas: A Direct-Willingness Survey of Rural Households in Jinhu, Jiangsu Province

With data of 273 rural households in Jinhu,Jiangsu province,and a bivariate probit model based on direct-willing method,this paper investigates current situation and influencing factors of rural credit cooperative's micro-credit from demand and supply in relatively developed regions,combining with characteristics of borrowing behavior of rural households.The results are as follows:Factors such as number of migrant labors,large amount of non-routine expenses of rural households and strength of social capital resources significantly affect the demand for micro-credit.Proportion of non-agricultural income,household type and regional per capita loans have a significant impact on the probability of access to microfinance.Therefore,rural households' potential credit demand should be thought highly of and credit products and services should be improved to meet the diverse financial demand of rural households,which is necessary for sustainable development of rural micro-credit.