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| Influencing factors analysis on credit constraintsof pig breeding farmers |
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| Abstract: |
| 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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