【摘要】：2014~2017年山東省普惠金融現(xiàn)狀調(diào)研顯示,大半農(nóng)戶未獲得合意的融資期限。要提高農(nóng)戶的融資期限滿意度,需要明確農(nóng)戶意愿融資期限的特征及其影響因素。農(nóng)戶意愿融資期限平均約為16個月,近80%的農(nóng)戶希望融資期限在半年以上,近一半農(nóng)戶希望在一年以上。本文以融資期限結(jié)構(gòu)理論中的期限匹配假說及交易成本假說作為理論基礎(chǔ),采用有序Probit模型分析了影響農(nóng)戶意愿融資期限的因素。結(jié)果顯示,在期限匹配假說下,家庭收入、融資生產(chǎn)性目的程度、當(dāng)?shù)刂еa(chǎn)業(yè)規(guī)模和是否為新型農(nóng)業(yè)經(jīng)營主體等變量對意愿融資期限有顯著的負(fù)向影響,意愿融資數(shù)額變量有顯著的正向影響;在交易成本假說下,抵押品影響程度評價變量對意愿融資期限有顯著的正向影響,到市區(qū)或鎮(zhèn)中心的距離通過影響意愿融資數(shù)額間接對意愿融資期限產(chǎn)生顯著的負(fù)向影響。
[Abstract]:From 2014 to 2017, a survey on the current situation of Huihui Finance in Shandong Province shows that most of the farmers have not received the agreed financing term. In order to improve the satisfaction of farmers' financing period, it is necessary to clarify the characteristics of farmers' willingness to finance term and its influencing factors. The average duration of voluntary financing is about 16 months. Nearly 80% of the farmers want to raise funds for more than half a year, and nearly half of them hope for more than one year. Based on the term matching hypothesis and transaction cost hypothesis in the theory of financing term structure, this paper analyzes the factors that affect the duration of farmers' willingness to finance by using the ordered Probit model. The results show that, under the term matching hypothesis, the variables such as household income, the degree of productive purpose of financing, the scale of local pillar industries and whether they are new agricultural operators have significant negative effects on the term of willing financing. The amount of willing financing has a significant positive impact; Under the hypothesis of transaction cost, the degree of collateral impact evaluation has a significant positive impact on the term of willing financing, and the distance to the city or town center indirectly has a significant negative impact on the term of willing financing by influencing the amount of willing financing.
【作者單位】： 山東師范大學(xué)經(jīng)濟(jì)學(xué)院;齊魯工業(yè)大學(xué)金融學(xué)院;桂林電子科技大學(xué)商學(xué)院;Nottingham
【基金】：國家社科基金重大項目“金融排斥、金融密度差異與信息化普惠金融體系建設(shè)研究”(14ZDA044) 國家自然科學(xué)基金地區(qū)項目“網(wǎng)絡(luò)異位置企業(yè)聯(lián)盟對弱技術(shù)能力企業(yè)的知識搜索及創(chuàng)新質(zhì)量的影響研究”(71762007)的資助
【分類號】：F323.6;F832

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