本文關(guān)鍵詞：農(nóng)戶正規(guī)信貸交易成本配給識別及其影響因素——來自浙江省和黑龍江省466戶農(nóng)戶調(diào)查數(shù)據(jù)分析　出處：《財貿(mào)研究》2017年03期 　論文類型：期刊論文

  更多相關(guān)文章： 信貸配給 交易成本 銀農(nóng)關(guān)系 金融服務(wù)供給

【摘要】：以信貸配給理論和交易成本理論為基礎(chǔ),依據(jù)浙江和黑龍江兩省466份農(nóng)戶的調(diào)查數(shù)據(jù),采用Probit模型實(shí)證研究影響中國農(nóng)村信貸市場中農(nóng)戶的正規(guī)信貸交易成本配給的因素。結(jié)果表明:樣本地區(qū)14%的農(nóng)戶受到了交易成本配給。對于這部分農(nóng)戶來說,相比于社會資本,與銀行的高強(qiáng)度關(guān)系以及當(dāng)?shù)亟鹑诜⻊?wù)供給的高水平能夠顯著降低其面臨交易成本配給的概率。這是因?yàn)?較高的金融服務(wù)供給水平不僅可以降低農(nóng)戶貸款的交易成本,還能強(qiáng)化其對于正規(guī)金融的正確認(rèn)知,而穩(wěn)固的銀農(nóng)關(guān)系則可以通過緩解借貸雙方信息不對稱的程度來提高農(nóng)戶主動申請貸款的意愿。
[Abstract]:Based on the theory of credit rationing and the transaction cost theory, based on the survey data of Zhejiang and Heilongjiang two provinces of 466 households, with an empirical study of the effect of Probit model Chinese farmers in rural credit market credit transaction cost rationing factors. The results showed that the sample area 14% households have the transaction cost rationing. For this part of farmers, compared to the high strength of social capital, the relationship with the bank and the high level of local financial services supply can significantly reduce the probability of facing the rationing of transaction cost. This is because the higher level of financial services supply can not only reduce the transaction costs of loans to farmers, but also to strengthen its correct cognition of formal finance, and stable you can ease the relationship between agricultural bank borrowing the information asymmetry degree to improve farmers' willingness to take the initiative to apply for loans.

【作者單位】： 南京大學(xué)工程管理學(xué)院;中國農(nóng)業(yè)科學(xué)院農(nóng)業(yè)經(jīng)濟(jì)與發(fā)展研究所;
【基金】：中國農(nóng)業(yè)科學(xué)院科技創(chuàng)新工程(ASTIP-IAED-2017-03) 國家自然科學(xué)基金項(xiàng)目“氣候變化條件下農(nóng)戶投保行為與風(fēng)險管理研究”(71373264);“土地流轉(zhuǎn)背景下農(nóng)地經(jīng)營投資行為與耕地質(zhì)量提升研究”(71573262)的成果
【分類號】：F832.43
【正文快照】： 一、引言隨著新型城鎮(zhèn)化建設(shè)加速以及勞動力向二三產(chǎn)業(yè)轉(zhuǎn)移,中國的土地流轉(zhuǎn)速度加快、土地集中度不斷提高,這使得部分從事第一產(chǎn)業(yè)的農(nóng)戶的經(jīng)營規(guī)模越來越大,這些農(nóng)戶從生產(chǎn)資料采購到農(nóng)作物收割的各個環(huán)節(jié)都需要增加資金投入,而那些投身于二三產(chǎn)業(yè)的轉(zhuǎn)型農(nóng)戶也因?yàn)樯a(chǎn)經(jīng)營的，

本文編號：1375460