期刊论文

中文

福建农林大学学报(哲学社会科学版)

1671-6922

2016

19

4

14-20

10.13322/j.cnki.fjsk.2016.04.003

13BJY097:国家社会科学基金 15YBA194:湖南省社会科学基金

本校为第一机构

以湖南省225个农户的调查数据为基础，运用 Tobit 模型对农户信贷服务可得性的影响因素进行实证分析，得出如下结论：受教育水平、家庭劳动力人口、社会关系等对农户信贷服务可得性有显著的正向影响，农户年龄、离最近的农村金融机构的距离、家庭支出等对农户信贷服务可得性有显著的负向影响。在此基础上，从农户、农村金融机构和政府等层面，提出加强农户与金融机构之间的信息沟通、提高农户信贷服务可得性的对策建议。

Based on the survey data on 225 farmer households in Hunan Province, an empirical analysis is conducted on the factors influencing farmers＇ accessibility to credit services by using Tobit model. The following conclusions have been obtained. Education level, family labor force, social relationship have significantly positive effects on farmers＇ accessibility to credit services, while farmers＇ age, the distance from the nearest rural financial institutions, family spending have significantly negative effects on farmers＇ accessibility to credi...