融资约束下的农户信贷需求及其缺口研究

本文基于需求引导的分析范式,以四川省巴中为例,对融资约束下的农户信贷渠道选择、信贷资金需求特性等信贷行为进行研究。在此基础上,本文通过信贷资金缺口测试的逻辑框架,运用Heckman广义三阶段回归方程对农户在正规金融市场上所受到的信贷约束程度以及信贷资金缺口进行估计,并对估计结果进行相应的解释。

On the Credit Demand and Credit Gap of Farms under Financing Constraint

Under the framework of Demand Following, the paper firstly studies the credit channel and credit be- havior of rural household under credit constraint in Bazhong area, Sichuan Province. And secondly, based on the study result, the authors estimate the credit gap and financial constraint for farms in formal financial market by using Heckman general three-stage regression. Finally, corresponding explanation is given to the estimated result.