贫困地区农户创业的信贷需求研究——基于创业动机异质性视角

从创业动机异质性的视角探究贫困地区创业农户的信贷需求及影响机理，结果发现：贫困地区创业农户的信贷需求总体与其预期收益呈正相关关系，由于不同创业动机农户的资本积累和对外部资金的依赖程度存在差异，部分抵消了预期收益对信贷需求的影响, 生存维持型和价值实现型创业农户的信贷需求相对较大；不同创业动机农户的正规信贷需求未表现出显著差异，贫困地区正规信贷产品同质化严重；创业年限等创业特征对不同创业动机农户的信贷需求有差异性影响。

Research on Credit Demand of Farmers' Entrepreneurship in Poverty-stricken Areas Based on the Heterogeneity of Entrepreneurial Motivations

This paper empirically analyzes credit demand of entrepreneurial farmers in poverty-stricken areas from perspective of entrepreneurial motivation heterogeneity. The reset shows that the credit demand of entrepreneurial farmers in poverty-stricken areas is positively correlated with their expected returns. However, due to the differences in the level of self-owned capital accumulation of farmers with different entrepreneurial motivations, their dependence on external funds is different, which partially offsets the expected return. There is no significant differences among the scale of formal credit demand of farmers with different entrepreneurial motives, suggesting there is serious homogenization problem in credit products in poor areas; entrepreneurial characteristics such as years of entrepreneurship, have different effects on the credit demand of entrepreneurial farmers with different motives.