| 林农个体特征对信贷约束的影响分析 |
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| 引用本文： | 刘士磊,潘焕学.林农个体特征对信贷约束的影响分析[J].林业经济,2011(7). |
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| 作者姓名： | 刘士磊 潘焕学 |
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| 作者单位： | 北京林业大学经济管理学院; |
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| 摘 要： | 林权改革后林农的信贷需求旺盛,但长期以来林农一直面临着信贷约束的束缚。信贷约束由信贷供求双方的信息不对称造成,林农的个体特征对消除信息不对称,进而减弱信贷约束具有某种影响。结合2010年福建省清流县林农的调查问卷数据,文章运用相关性分析和因子分析两项计量工具对林农个体特征对信贷约束的影响进行了实证研究。研究结果表明以家庭收入和非农化程度为代表的家庭整体特征是影响林农信贷约束的首要因素,而林农林权证的拥有与森林保险的参与对减弱信贷约束具有重要作用。
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| 关 键 词： | 林农 个体特征 信贷约束 相关性分析 因子分析 |
Impact of Individual Charateristics of Farmers on Credit Constrains |
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| Liu Shilei Pan Huanxue.Impact of Individual Charateristics of Farmers on Credit Constrains[J].Forestry Economics,2011(7). |
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| Authors: | Liu Shilei Pan Huanxue |
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| Institution: | Liu Shilei Pan Huanxue (School of Economics and Management,Beijing Forestry University,Beijing 100083) |
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| Abstract: | Foresters have increasing demand for credit after the Forest Property Right Reform, but farmers have long been facing credit constraints. Credit constraints are caused by asymmetric information of the credit supply side and the demand side. The individual characteristics of foresters may be able to eliminate information asymmetry and weaken the credit constraints. Given the 2010 questionnaire data of foresters in the county of Qingliu, Fujian Province, this paper made the exploratory empirical study on how ... |
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| Keywords: | foresters individual characteristics credit constraint correlation analysis factor analysis |
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