| 王智恒，王静.信贷配给对陕西农村不同收入群体收入的影响[J].广东农业科学,2013,40(23（农经版）):150-155 |
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信贷配给对陕西农村不同收入群体收入的影响 |
| Effect of credit rationing on revenue utility of different income groups in Shaanxi |
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| DOI： |
| 中文关键词: 信贷配给 收入群体 收入效应 多类别Logit模型 |
| 英文关键词: credit rationing income groups revenue utility multinomial Logit model |
| 基金项目:教育部新世纪优秀人才支持计划项目项目（NCET-11-0443）；国家自然科学基金（71373207） |
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| 中文摘要: |
| 基于西部陕西农村地区农户的调查数据，构建多类别Logit模型，考虑多重因素的前提下，分析信贷配给作用下农村不同收入群体的收入效应。实证结果表明：高收入农户群体遭受信贷配给的程度更为严重，降低遭受信贷配给的程度，可以使中等收入的农户从中受益，从而有效增加高收入农户的比率，很好地调整农村地区的收入结构；金融信息能够明显改善农户的收入情况；民间借贷对改善当地人民收入及收入结构调整具有重要作用，是我国农村经济发展的一种传统而有效的替代保障。 |
| 英文摘要: |
| Based on the survey data from the western rural areas in Shaanxi, multinomial Logit model is built,considering the multiple factors, this paper analyzes the role of credit rationing in revenue utility of different income groups. The empirical results show that, high-income groups suffered more credit rationing; reducing the extent of suffered credit rationing, middle-income households can get benefit, then the ratio of high-income households increases effectively,so income structure in rural areas well adjusts. Financial information can significantly improve the income of farmers. Local private lending plays an important role in the improvement of income and income structure, is a traditional and effective alternative in China's rural economic development. |
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