| 农户民间借贷需求影响因素的实证研究——以湘北234户农户的调查为例 |
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| 引用本文： | 黎翠梅,陈巧玲.农户民间借贷需求影响因素的实证研究——以湘北234户农户的调查为例[J].经济问题,2007,339(11):71-73. |
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| 作者姓名： | 黎翠梅 陈巧玲 |
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| 作者单位： | 中南大学,商学院,长沙,410083 |
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| 基金项目： | 国家社会科学基金
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湖南省自然科学基金
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湖南省教育厅青年基金 |
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| 摘 要： | 通过对我国农业大省--湖南省华容县和安乡县农户的问卷调查,运用Tobit模型对农户借贷需求的影响因素进行实证研究.研究结果表明:农户的收入水平和农业生产支出对农户民间借贷需求具有显著的负向影响,而农户的非农业生产支出和文化教育支出对农户民间借贷需求则具有显著的正向影响.
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| 关 键 词： | 农户 民间借贷 借贷需求 Tobit模型 农户 民间 借贷需求 影响因素 实证研究 湘北 问卷调查 Informal Factors Hunan rural 教育支出 文化 非农业生产 平和 收入 结果 模型 运用 安乡 |
| 文章编号： | 1004-972X（2007）11-0071-03 |
| 修稿时间： | 2007-07-21 |
On Factors Influencing Informal Borrowing Decisions——A case study of 234 rural households in north Hunan |
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| LI Cui-mei,CHEN Qiao-ling.On Factors Influencing Informal Borrowing Decisions——A case study of 234 rural households in north Hunan[J].On Economic Problems,2007,339(11):71-73. |
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| Authors: | LI Cui-mei CHEN Qiao-ling |
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| Institution: | School of Business, Central South University, Changsha 410083, China |
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| Abstract: | The paper uses Tobit model to analyze factors influencing informal borrowing decisions of rural households via carrying out a survey in Huarong county and Anxiang county of Hunan Province.The result shows that factors including income level and agriculture productive expenditure have significant negative effect on the informal borrowing decisions of the rural households and non-agriculture productive expenditure and educational expenditure have significant positive effect on the informal borrowing decisions. |
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| Keywords: | rural households informal borrowing borrowing decisions Tobit model |
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