中国农业科学院农业信息研究所 中国农学会
Agricultural Information Institute of CAAS China Association of Agricultural Science Societies
En
Ch
中国农业科学院农业信息研究所 中国农学会 主办

AI检索

订阅

返回顶部
当前位置: 首页 > 文章 > 产权抵押贷款下的农户信贷约束分析 农业经济问题 2016 (01) 76-83+111-112
Position: Home > Articles > Research on The Farmers' Credit Constraints under Rural Property Mortgage Issues in Agricultural Economy 2016 (01) 76-83+111-112

产权抵押贷款下的农户信贷约束分析

作  者：
牛荣;张珩;罗剑朝
单  位：
西北农林科技大学经济管理学院
关键词：
农户;信贷需求;信贷约束;经营类型;抵押贷款
摘  要：
本文基于2014年西部开展农村产权抵押贷款试点地区的581户农户数据,从农户经营类型视角切入,运用Heckman广义三阶段回归模型实证分析了不同经营类型农户的信贷需求及约束程度。分析发现,西部农村产权抵押贷款试点地区农户受信贷约束程度不太明显;农户在面临资金困难时,对正规金融机构的依赖性较强;信贷约束程度与农户经营类型呈现明显的反向关系,非农经营方式的农户由于缺乏土地抵押品导致受信贷约束的程度较大。因此,应建立合理有效的农村产权抵押贷款机制,加大对新型农业经营主体的金融支持,解决非农经营方式农户的信贷需求。
译  名：
Research on The Farmers' Credit Constraints under Rural Property Mortgage
作  者：
NIU Rong;ZHANG Heng;LUO Jianchao;
摘  要：
Based on the survey of 581 farmers' data in west of China and Heckman Generalized Three Stages Regression Model,this paper verifies the? different types of farmer'credit demand and constraints in the rural property mortgage pilot areas on the point of different farmers ' business types. The resultsshowed that the farmers' level of credit constraints is not obvious in west part,farmers have strong reliance on formal financial institutions when they were in the face of financial difficulties. There is an inverse relationship between the farmers' business type and the level of credit constraints,the level of credit constraints of non-agricultural farmers is higher because they are lack of the land used as collateral. Therefore,establishing the mechanism of rural property mortgage,supporting the new agricultural entity and solving the non-agricultural farmers demand for credit are very important.

相似文章

导出引用
计量
文章访问数: 11
HTML全文浏览量: 0
PDF下载量: 0

所属期刊

推荐期刊

友情链接Friendly link
农业信息研究所Agricultural information institute 农业智能知识服务平台Agricultural intelligent knowledge service platform 农业学术服务平台Agricultural Knowledge Service System 中国知网CNKI 维普网VIP 万方WANFANG DATA
联系我们Contact us

电话Tell：010-82109652-808

邮箱E-mail：agrijournal@caas.cn

服务Service
关于我们About us 意见建议Opinions and suggest
版权说明Copyright
单位：中国农业科学院农业信息研究所 中国农学会 © 2017中国农业科学院农业信息研究所 ICP备案号：京ICP备09089781号-46