銀農(nóng)關(guān)系與創(chuàng)業(yè)農(nóng)戶的信貸可得性
發(fā)布時(shí)間:2018-06-14 08:35
本文選題:創(chuàng)業(yè)農(nóng)戶 + 銀農(nóng)關(guān)系 ; 參考:《華南農(nóng)業(yè)大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版)》2017年06期
【摘要】:基于江蘇省2015年633戶創(chuàng)業(yè)農(nóng)戶的調(diào)查數(shù)據(jù),運(yùn)用需求可觀察的雙變量Probit模型對(duì)銀農(nóng)關(guān)系深度、廣度和密度與創(chuàng)業(yè)農(nóng)戶正規(guī)信貸可得性之間的內(nèi)在機(jī)制進(jìn)行了分析。結(jié)果顯示:關(guān)系深度中的信用社社員和信用戶身份對(duì)創(chuàng)業(yè)農(nóng)戶正規(guī)信貸可得性存在顯著的正向作用,關(guān)系密度中的銀農(nóng)距離和拖欠款經(jīng)歷則存在顯著的負(fù)向作用,關(guān)系廣度在競(jìng)爭(zhēng)度低的農(nóng)村信貸市場(chǎng)上負(fù)向作用不顯著。此外,對(duì)于個(gè)體戶和企業(yè)形式的創(chuàng)業(yè)項(xiàng)目來(lái)說(shuō),大部分金融機(jī)構(gòu)仍將能否提供抵押物作為是否放貸的主要依據(jù),而增加地方金融資源供給、引入市場(chǎng)競(jìng)爭(zhēng)有助于提高創(chuàng)業(yè)農(nóng)戶獲得正規(guī)貸款的概率。
[Abstract]:Based on the survey data of 633 rural households in Jiangsu Province in 2015, the paper analyzes the internal mechanism between the depth, breadth and density of the relationship between the bank and farmers and the availability of formal credit for the entrepreneurs by using the bivariate probit model, which can be observed in demand. The results show that the membership of credit cooperatives and credit households in the depth of relationship has a significant positive effect on the availability of formal credit for start-up farmers, while the distance between silver farmers and the experience of arrears in the relationship density have a significant negative effect on the availability of formal credit. The negative effect of relationship breadth on rural credit market with low competition is not significant. In addition, for entrepreneurial projects in the form of self-employed businesses and enterprises, most financial institutions will still be able to provide collateral as the main basis for lending, while increasing the supply of local financial resources. The introduction of market competition helps to improve the probability of entrepreneurs getting formal loans.
【作者單位】: 南京財(cái)經(jīng)大學(xué)金融學(xué)院;
【基金】:國(guó)家自然科學(xué)基金青年項(xiàng)目(71403116) 國(guó)家自然科學(xué)基金青年項(xiàng)目(71203086) 江蘇省重點(diǎn)(國(guó)家級(jí))大學(xué)生創(chuàng)新創(chuàng)業(yè)訓(xùn)練計(jì)劃項(xiàng)目(201610327018Z)
【分類(lèi)號(hào)】:F323.6;F832.43
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本文編號(hào):2016767
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