农村信用社农户小额信贷需求影响因素的分析研究--_--以乌拉特前旗为例.pdfVIP

摘 要 农村经济的发展，农民收入的提高都依附于资本的投入。目前，商业银行改革 纷纷完成，只有农村信用社在农村市场上“撑大梁”，并成为农户获得信贷资金的主 要正规金融机构，其开办的农户小额信贷业务，完全向农户提供的是信用贷款，增 加了农户走进金融市场的机会。 本文把乌拉特前旗作为调研地区，进行实地调研，并利用调研数据运用描述性 统计分析和计量模型分析农村信用社农户小信贷需求影响因素，研究发现农村信用 社农户小额信贷需求受到多因素的影响。具体表现在：第一，户主的年龄与农村信 用社小额信贷需求成负相关；第二，农户的文化程度与农村信用社小额信贷需求成 正相关；第三，劳动力人数与农村信用社小额信贷需求成正相关；第四，家庭成员 健康状况与农村信用社小额信贷需求成负相关；第五，耕地面积与农村信用社小额 信贷需求成正相关；第六，家庭年纯收入与农村信用社小额信贷需求成负相关；第 七，小额信贷难易程度与农村信用社小额信贷需求成正相关；第八，农户对小额信 贷认知程度与农村信用社小额信贷需求成正相关。为改善农户的信贷需求约束提出 三点建议：第一，提高农民文化素质，加大对农民信贷资金合理运用的培训；第二， 加强宣传，营造良好的认识环境；第三，完善农户小额信贷运作机制。 关键词：农村信用社；农户；小额信贷需求 Research on the Influencing Factors of Rural Household Micro-finance Demand of Rural Credit Cooperatives: Based on the Wulate Qianqi Abstract The development of the rural economy and the raising of farmers income are attached to the capital input. At present, the commercial bank have reformed, the rural credit cooperatives play a vita role in the countryside market , and becoming the main formal financial institutions of getting credit funds for rural household, rural credit cooperatives offer credit loans to rural household completely, so it increases the opportunities of stepping into the financial market for rural household. This paper put Wulate Qianqi as a research area , launching a field investigation and using the investigation data analysis the factors of rural household micro-finance demand of rural credit cooperatives by using descriptive statistics analysis and econometric model, the study show that rural household micro-finance demand of rural credit cooperatives is affected by many factors. Firstly, age of householder negatively affects the rural household micro-finance demand of rural credi