摘要
运用Biprobit模型和Switching模型,对陕西省宝鸡市渭滨区247户农户调查的微观数据,分两个阶段对农户受到信贷配给的影响因素及程度和信贷配给下农户的福利效应进行计量分析,结果表明:金融资产余额对资金的供给和需求均为负向影响;是否加入农业合作社对资金的供给和需求均为负向影响;总支出对需求的影响显示为正向;家庭劳动力比率、纯收入和固定资产余额对资金供给为正向影响;农户受到信贷约束的程度为74.63%,受到信贷配给的农户的信贷资金有效利用率是未受到信贷配给农户的2倍。
Based on 247 rual households＇ data and using Biprobit model and Switching model,this study is divided into two phases to analyze the influencing factors,the degree of credit rationing and its effects on farmers＇ welfare.The results show that：the financial assets has negative impact on both supply and demand of funds;whether to join the Rural Cooperatives has negative impact,too;the total expenditure has positive impact on demand of funds;net income and the fixed assets has positive impact on supply;the degree of credit rationing is74.63%;the farmers,influenced by credit rationing,could use the loan more efficiently by two times than the farmers who are not influenced.
出处
《西北农林科技大学学报（社会科学版）》
CSSCI
北大核心
2015年第1期72-77,共6页
Journal of Northwest A&F University(Social Science Edition)
基金
国家自然科学基金项目(70973097)
教育部规划项目(09YJAVH074)
中国博士后第二期特别资助基金项目(200902612)
关键词
农户信贷配给
金融资产
信贷约束程度
福利效应
influencing factor
degree of credit constraints
welfare effects
econometric analysis
作者简介
王静（1966-），女，西北农林科技大学经济管理学院教授，博士生导师，电子科技大学博士后，主要从事金融工程与农村金融方面的研究。
