农户结构和行为对借贷倾向的影响研究——基于湖南2000户农户的问卷调查

张庆昉

农户结构和行为对借贷倾向的影响研究——基于湖南2000户农户的问卷调查

引用本文：张庆昉.农户结构和行为对借贷倾向的影响研究——基于湖南2000户农户的问卷调查[J].财经理论与实践,2010,(3):23-29

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作者	单位
张庆昉	（1.东北财经大学金融学院，辽宁大连116025 2.中国人民银行长沙中心银行，湖南长沙410000）

中文摘要:基于湖南省2000户样本农户问卷调查数据，利用离散选择模型比较研究农户结构和行为对正规借贷和民间借贷供需倾向的影响发现，农户显性有效借贷需求严重不足，农户的结构和行为对其借贷需求倾向影响重大，农村金融中介的借贷供给倾向性非常明显。

中文关键词:农户结构行为特征借贷倾向比较研究

Study on the Influence of Rural Household Structure and Behavior on Credit Preference based on Questionnaire Survey of 2000 Rural Households in Hunan Province

Abstract:This paper researches on the influence of rural household structure and behavior on the demand and supply of formal and informal finance, based upon discrete choice model applying questionnaire survey results from 2000 rural households in Hunan province. Research finds that farmers' effective credit demand is quite insufficient, the social structure and farmer behavior have dominant influences on their credit demand preference, and their intention to supply informal financing is dominant.

keywords:Rural household structure Behavior Credit preference Comparative study

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