| 陈伟健，苗 齐.生猪养殖农户的信贷约束影响因素分析[J].广东农业科学,2015,42(16):180-179 |
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生猪养殖农户的信贷约束影响因素分析 |
| Influencing factors analysis on credit constraintsof pig breeding farmers |
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| DOI： |
| 中文关键词: 生猪养殖 信贷约束 Heckman 二阶段法 |
| 英文关键词: pig breeding credit constraints Heckman two-stage method |
| 基金项目:国家社会科学基金重大项目（10zd&031） |
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| 中文摘要: |
| 从生猪养殖农户角度归纳影响农户信贷约束的因素主要为三类：基本特征、养殖行为、信用情
况，采用Heckman 两阶段法，先通过Probit 模型分析生猪养殖农户的信贷约束的影响因素，然后估计农户信贷
需求数量，与农户实际获得的信贷数量之间的差额即为农户信贷需求缺口。实证分析显示：在农户基本特征变
量中，户主年龄和劳动力数量都对农户信贷约束有显著的正向影响；在养殖行为变量中，生产性固定资产投资
和生猪养殖年限对农户信贷约束都存在显著的负向影响；在信用情况中，借款情况和违约情况都对农户信贷
约束产生正向影响，抵押情况对农户信贷约束产生负向影响。在此基础上，以获得足额贷款农户的信贷数据做
OLS 回归，估计出农户的信贷需求缺口为5 169.4 元，样本地区农户信贷约束比率为16.87%。 |
| 英文摘要: |
| From the perspective of pig breeding farmers，this article summarized that the factors affecting
household credit constraints had mainly three categories：basic characteristics，breeding behavior，credit
situation. Using two-stage method from Heckman，by Probit model this paper analyed the factors of farmers’ credit
constraints，and estimated the number of households credit demand，last got the credit needs of farmers，which was
the gap. Empirical analysis showed that，in the variables of farmer basic characteristics，the head of household age
and amount of labor had significantly positive impacts on farmers’ credit constraints；in the variables of breeding
behavioral，the investment of fixed asset and term of pig farming had significantly negative effects on farmers，credit
constraints；in the case of credit，loan conditions and violations had positive impacts on farmers’credit constraints，
mortgage situation results had a negative impact on farmers’ credit constraints. On this basis，the paper did OLS
regression by the data of obtaining full credit loans farmers，the estimated gap of credit demand was 5 169.4 Yuan，
credit constrained ratio was 16.87%. |
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