牧户信贷特征及获取影响因素实证分析——基于新疆伊犁地区的实地调查

发布时间：2018-05-16 08:36

本文选题：牧户 + 信贷特征　；参考：《干旱区地理》2016年02期

【摘要】：基于2014年7~8月在新疆伊犁地区新源县、昭苏县、特克斯县和尼勒克县四个牧业县的实地入户调研数据,从新疆牧民微观层面视角来探讨信贷获取问题,结合201位牧民的主观内在感知和客观外部要素构建指标体系;运用logistic计量经济模型,从牧户家庭特征、生产性资产、财产禀赋、信贷供给因素四大类别、14个变量分析牧户的信贷获取特征及影响因素。结果表明:牧户信贷获取的显著性影响因素主要有牧户家庭学生数、牧户风险承受能力、草场面积、耐用消费品价值、牧户牲畜拥有量、贷款利率;其中家庭学生数、牧户风险承受能力、贷款利率与牧户信贷获取呈正相关关系,与预期方向一致;耐用消费品价值与牧户信贷获取呈负相关关系,与预期方向一致;牧户草场面积与牧户信贷获取呈U型关系,与预期方向有差异;牧户牲畜拥有量与牧户信贷获取呈倒U型关系,与预期方向有差异。总体上看,牧民信贷获取主要受家庭生活、生产压力影响为主,而户主年龄、学历、诚信问题、定居点离中心区距离等对信贷获取影响不明显;但可贵的是牧户对于提高养殖规模、扩大草场面积、增强劳动力素质等观念已有所认知,这也为相关部门今后制定畜牧业信贷政策和调整方向有一定的借鉴和参考。
[Abstract]:Based on the field survey data of four pastoral counties in Xinyuan County, Yili, Xinjiang, Xinjiang, Xinyuan County, Zhaosu County, Turks county and Nilka County, this paper discusses the problem of credit acquisition from the microcosmic perspective of the Xinjiang herdsmen, constructs the index system with the subjective inner perception and external factors of the 201 herdsmen, and uses the logistic econometric model. From four categories of herdsman family characteristics, productive assets, property endowments and credit supply factors, 14 variables are used to analyze the characteristics and influencing factors of the herdsman's credit acquisition. The results show that the significant factors affecting the acquisition of herdsman credit are the number of Herdsman Family students, the affordability of herdsmen, the area of pasture, the value of durable consumer goods, and the herdsmen. There is a positive correlation between the loan interest rate and the expected direction. The value of the durable consumer goods is in a negative correlation with the herdsman credit acquisition, which is in the same direction as the expected direction; the pasture area has a U relationship with the herdsman credit acquisition and the expected side. There are differences in the direction of herdsman's livestock ownership and the acquisition of herdsman credit in an inverted U relationship with the expected direction. Generally speaking, the acquisition of herdsmen credit is mainly affected by family life and production pressure, while the age of the household, education, honesty and the distance from the center to the center are not obvious; but the value of the herdsman is to the herdsman. The concept of raising the scale of aquaculture, enlarging the area of pasture and enhancing the quality of the labor force has been recognized. It also has some reference and reference for the related departments to formulate the policy and direction of the animal husbandry credit in the future.

【作者单位】：新疆农业大学经济与贸易学院;
【分类号】：F832.43

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