| 农村二元金融结构与农户信贷渠道选择行为 |
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| 引用本文： | 秦建群,吕忠伟,秦建国. 农村二元金融结构与农户信贷渠道选择行为[J]. 山西财经大学学报, 2011, 0(9): 49-56 |
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| 作者姓名： | 秦建群 吕忠伟 秦建国 |
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| 作者单位： | 西安交通大学经济与金融学院;中国农业银行;交通运输部规划研究院; |
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| 基金项目： | 国家社科基金重大项目“大型商业银行服务三农对策研究”(08&ZD023);国家社科基金项目“中国金融解决‘三农’问题的历史经验研究(1949-2009)”(09BJL013); 北京师范大学自主科研基金项目“农户分层结构、金融支持与新农村建设”(2009AAP-2) |
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| 摘 要： | 采用Probit模型对中国12个省（市）农户家庭信贷的微观数据进行分析，实证研究了高收入、中等收入与低收入农户在正规金融渠道与非正规金融渠道相互独立和相互影响的情况下其信贷渠道选择行为的影响因素，解析了中国农村二元金融结构特征下的农户分层信贷渠道选择行为。研究发现，家庭特征、经济特征以及金融生态环境对高收入、中等收入与...
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| 关 键 词： | 二元金融结构 农户分层 渠道选择 Probit模型 |
Dualism of Rural Finance and Credit Channels Choice Behavior of Rural Households Stratified |
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| QIN Jian-qun ,LV Zhong-wei ,QIN Jian-guo. Dualism of Rural Finance and Credit Channels Choice Behavior of Rural Households Stratified[J]. Journal of Shanxi Finance and Economics University, 2011, 0(9): 49-56 |
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| Authors: | QIN Jian-qun LV Zhong-wei QIN Jian-guo |
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| Affiliation: | QIN Jian-qun 1,LV Zhong-wei 2,QIN Jian-guo 3(1.School of Economics and Finance,Xi'an Jiao Tong University,Xi'an 710061,2.Agriculture Bank of China,Beijing 100005,3.Transport Planning and Research Institute,Ministry of Communications,Beijing 100028,China) |
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| Abstract: | Based on the survey data of rural households credit collected from 12 provinces(municipalities) in China,the empirical study on the impact factors of the Credit Channels Choice Behaviors of high-income,middle-income and low-income rural households is made by using of Probit model under the conditions that the formal and informal Credit Channels are dependent and independent respectively,in order to investigate the Credit Channels Choice Behavior of rural households in the Financial Dualism environment from ... |
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| Keywords: | financial dualism rural household stratifed credit channel choice Probit model |
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