普惠金融视角下农户借贷行为及影响因素研究

论文总字数：30354字

摘 要

农村金融在我国金融领域发展一直以来是相对落后的，不利于我国金融体系的构建和完善。发展普惠金融的最后一公里在于农村金融，农户是农村金融市场中借贷的主体，农户的融资情况是影响农村经济发展的重要因素，也是发展我国普惠金融的重要环节。普惠金融对农户的应用直接表现在农户的借贷行为上。

本文从普惠金融的视角出发，综合运用文献搜集、实地调研、实证分析等研究方法，以国家级贫困县——山西省武乡县的农户为研究对象，分析其借贷特征和影响借贷需求的因素。

本文运用二元logit回归分析，以是否存在借贷行为为因变量，年龄、性别、受教育程度、劳动力数量等为自变量。对武乡县农户借贷需求影响因素的分析，得出了以下结论：对农户借贷需求产生正向影响的因素有：农户的受教育程度、社会关系、对金融产品了解程度等；对农户借贷需求产生负向影响的因素是收入水平、家庭耕地面积。最后，针对研究结论从农户自身、金融机构、政府政策三个层面提出相应的建议。

关键词：普惠金融；农户；借贷行为；影响因素

Abstract

The development of rural finance in China's financial field has been relatively backward, which is not conducive to the construction and improvement of China's financial system. The last kilometer to develop inclusive finance lies in rural finance. Farmers are the main borrowers in the rural financial market. Farmers' financing is an important factor affecting the development of rural economy and an important link in the development of inclusive finance in China. The application of Pratt amp; Whitney Finance to farmers is directly manifested in their borrowing behavior.

Starting from the perspective of inclusive finance, this paper uses the research methods of literature collection, on-the-spot investigation and empirical analysis to analyze the loan characteristics and the factors affecting the loan demand of farmers in Wuxiang County, Shanxi Province, which is a national poverty-stricken county.

This paper uses binary logit regression analysis, taking whether there is lending behavior as dependent variable and age, sex, education level, labor force number as independent variables. Based on the analysis of the influencing factors of rural households' borrowing demand in Wuxiang County, the following conclusions are drawn: the factors that have a positive impact on rural households' borrowing demand include their education level, social relations, and their understanding of financial products, etc. The factors that have a negative impact on farmers' borrowing demand are income level and family cultivated land area. Finally, according to the research conclusion, the paper puts forward corresponding suggestions from three aspects: farmers themselves, financial institutions and government policies.

Key words: Peasant household; Borrowing behavior; Influence factors

目 录

第一章 导论 1

1.1 研究背景 1

1.2 研究意义和研究目标 1

1.3 研究思路、内容和方法 2

1.3.1 研究思路 2

1.3.2研究内容与结构安排 2

1.3.3研究方法和研究技术路线 2

第二章 文献综述 3

2.1 有关农户借贷行为的理论分析 3

2.2 有关农户借贷行为的实证分析 4

2.3 有关普惠金融与农户借贷行为的研究 5

第三章 武乡县农户借贷行为调查及分析 6

3.1 调研设计 6

3.1.1调研目的及样本选择 6

3.1.2调研方法 8

3.2 武乡县农户借贷行为基本特征 8

3.2.1武乡县农户借贷需求基本情况 8

3.2.2武乡县农户借贷情况分析 10

3.2.3农户对农信社等正规金融机构的认知程度分析 12

3.3 武乡县农户特征与借贷行为交叉分析 13

3.4 小结 16

第四章 武乡县农户借贷行为影响因素实证分析 16

4.1 数据来源与指标选取 16

4.1.1数据来源 16

4.1.2指标选取 17

4.2 武乡县农户借贷行为影响因素假设 17

4.3 农户借贷行为影响因素的计量模型 18

4.3.1计量模型的选择 18

4.3.2变量定义及描述性统计 18

4.4 农户借贷行为影响因素实证结果分析 19

第五章 结论及建议 21

5.1 主要结论 21

5.2 政策建议 22

5.3 研究展望 23

参考文献： 24

附 录1 27

附 录2 29

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