| 丛 人，万 忠.基于Probit 模型的水稻种植户金融需求影响及抑制因素研究——以广东195户水稻种植户为例[J].广东农业科学,2015,42(8):164-170 |
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基于Probit 模型的水稻种植户金融需求影响及抑制因素研究——以广东195户水稻种植户为例 |
| Influence and disincentive factors of rice farmers’ financialdemand based on Probit model—Taking the survey data of 195 rice farmers in Guangdong as example |
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| DOI： |
| 中文关键词: 农村金融 水稻种植户 金融需求 Probit 模型 |
| 英文关键词: rural finance rice farmers financial demand Probit model |
| 基金项目: |
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| 摘要点击次数: 1447 |
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| 中文摘要: |
| 近几年的中央一号文件均持续重点谈到我国农村金融问题，农户金融需求也是农村金融的重要
组成部分，然而农户金融抑制问题一直是制约农村金融改革的瓶颈，因此解决农户贷款难问题对于农村金融
的健康发展具有决定性作用。广东水稻产业中最微观的经营主体——水稻种植户对农村金融的发展有着重
要作用，因此研究水稻种植户的金融需求，对解除金融抑制、提高金融支持效率有重大意义。通过对广东珠三
角、粤东、粤北的代表性县镇江门台山、梅州梅县和蕉岭、惠州横沥等195 户水稻种植户开展问卷调查，获得微
观数据。运用 Probit 模型对影响因素进行显著性分析，结果发现水稻种植面积、水稻种植收入占比以及在家务
农人数对水稻种植户的金融需求影响显著，在此基础上，进一步从水稻种植户自身、金融机构、宏观政策 3 个
方面总结出造成贷款难和金融抑制问题的原因，并提出相应的政策建议，保障水稻再生产的顺利进行以及水
稻产业链的顺利延伸，使得金融支持发挥其产业核心驱动力的作用。 |
| 英文摘要: |
| In recent years，the central document has continued to focus on the financial problems in ruralChina，the financial demand of farmers is an important part of rural finance，but farmers’ financial repression is thebottleneck restricting rural financial reform，Thus solving the difficult of loans to farmers has a decisive role for thehealthy development of rural finance. Rice farmers，the most micro business entities of rice industry in GuangdongProvince，have a negligible role in the development of this industry. Therefore，research on the financial demand ofrice farmers is very meaningful for lifting financial repression，improving the efficiency of financial support. Thispaper selected Taishan，Jiangmen，Meixian and Jiaoling in Meizhou，Hengli in Huizhou，the representative townsin the Pearl River Delta，eastern Guangdong，northern Guangdong and other regions，as study areas，conductedsurvey on 195 rice farmers to obtain micro data，and used Probit model to analyze the significant factors influencingfarmers’ financial demand. The results showed that the planting area，proportion of planting income and number offarmers at home had significant impacts on the financial demand of rice farmers. Furthermore，from three aspectsincluding rice farmers themselves，financial institutions，macroeconomic policy，this paper summarized the causesof rice farmers’ financial repression issues，and putforward policy recommendations，to ensure the smoothreproduction and extension of rice industry chain，strengthen the role of financial support as core drivingforce in rice industry |
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