期刊论文

中文

农业经济与管理

1674-9189

2018

3

57-64

10.3969/j.issn.1674-9189.2018.03.007

湖南省教育厅项目（16C0793）； 湖南省哲学社会科学成果评审委员会立项项目（XSP17YBZC090）； 湖南省自然科学基金项目（2018JJ3245）；

本校为第一机构

研究利用湖南省282户农户实地调研数据,运用Probit模型实证分析农户融资需求影响因素。结果表明,当前我国农户融资需求强烈,贷款利率、交易成本费用、农户户主年龄、农户对融资政策了解程度、家庭年收入、家庭年支出、家庭劳动力人数、家庭成员健康状况等因素对农户融资需求影响显著。据此,提出有效降低农户融资门槛、加大金融知识推广和普及力度等提高农户融资需求满足程度的对策建议。

Field survey was investigated for 282 farmer households in Hunan Province and Probit model was used to analyze the influencing factors of the farmers financing needs empirically.The results showed that farmers had strong financing needs in China at present,and the factors had a significant impact on the farmers financing demand,such as lending rate,transaction cost,householder age,the farmer's knowledge of financing policy,household annual income,household annual expenditure,labor force and health status of family members.Suggestions about improving the satisfaction degree of farmers'financing...