农户民间借贷需求影响因素的经验分析——基于河南省的调查

采用河南省农村的社会调查资料,运用Logit模型,对农户民间借贷需求影响因素进行了实证检验。结果表明:社会资本拥有量、家庭状况和信贷环境均是影响农户民间借贷需求的主要因素。尤其,具有一定社会地位的家庭、收入水平较高的家庭、负担水平较重的家庭以及所在村存在"高利贷"等因素对农户获得民间借贷的可能性具有非常显著的作用。

The Elements of Affecting Farmer Household Loan Requirement

With a suvey on the rural areas in Henan Province,the paper adopts logit model to examine the elements affecting the farmer househould loan requirement.The findings show that these elements include the portion of possessing social capital,family conditions and credit enviroument,etc.The private loan requirement in the reral areas are usually aroused in the families with certain social status,highincome or heavy burden,and also affected by village usury traditions,etc.