欢迎访问《中国农学通报》,

中国农学通报 ›› 2014, Vol. 30 ›› Issue (14): 153-157.doi: 10.11924/j.issn.1000-6850.2013-2939

• 三农研究 • 上一篇    下一篇

影响黑龙江省农户小额信贷需求的因素分析——以肇源县新站镇为例

张启文 刘洋   

  • 收稿日期:2013-11-10 修回日期:2013-12-11 出版日期:2014-05-15 发布日期:2014-05-15
  • 基金资助:
    黑龙江省教育厅科研项目 “黑龙江省农村金融系统重构研究” (1251z003)。

Analysis of Influencing Factors of the Peasant Household’s Demand for Microfinance in Heilongjiang Province——Based on Xinzhan town, Zhaoyuan country

  • Received:2013-11-10 Revised:2013-12-11 Online:2014-05-15 Published:2014-05-15

摘要: 黑龙江省农户小额信贷在取得成果的同时,也遇到诸多问题,最为突出的是农村金融机构无法满足农户日益增长的信贷需求。当前,尽快解决这种供不应求的问题成为农村金融工作的重中之重,因此,非常有必要选择具有代表性的地区进行实地调研。通过对黑龙江省新站镇270户农户的调查研究,运用SPSS中Logistic模型,分析影响黑龙江省农户小额信贷需求的因素,分析结果表明:在诸多因素中,农户家庭人口数、户主受教育程度、农户家庭耕地面积及消费支出和担保品有无,成为重要的影响因素。因此,在农村金融机构挖掘农户潜在需求和创新信贷产品的同时,需提高农户对小额信贷的正确认识,改善当前农村金融环境,为小额信贷提供适宜的发展空间。

关键词: 内蒙古, 内蒙古

Abstract: With the success of Heilongjiang Rural Microfinance, there arise a series of problems, the serious problem is that rural financial institutions can't satisfy farmers growing demand for credit. Currently, how to alleviate this problem effectively becomes an important work in rural finance. So, it is very essential to choose a representative area to conduct research in terms of reality. In this paper, we conduct research and survey on 270 farmers in the new station town, Heilongjiang Province, and employ the Logistic model in SPSS to analyze the factors influencing the demand of microfinance of Heilongjiang farmers, the analysis results indicate that among the factors, the number of family, education level, the cultivated land of farm households, consumer expenditure and the presence or absence of collateral take important position. Therefore, when rural financial institutions excavate the potential farmers’ demand and create innovation credit products, it should improve the correct understanding of microfinance for farmers and the current rural financial environment , provide suitable space for microfinance development.