【摘要】 利用317份浙江农户调查数据,采用二元Logit模型研究了影响农户是否获得贷款(贷款意愿)的因素。发现城郊农户更倾向于贷款;年龄越大,农户越不倾向于贷款;农业收入越多,越倾向于贷款;参加合作社的农户比不参加合作社的农户更倾向于贷款。从影响程度看,农业收入对农户是否贷款决策的影响大于年龄的影响。性别,教育年限,是否外出打工,劳动力数量,学生人数,总收入,总面积,主要收入来源是否为农业等变量系数不显著。更多还原

【Abstract】 This thesis used the 317 household survey data of Zhejiang province of China to set up a Logit model to study factors affecting the availability of credit for farmers.The results showed that suburb farmers,younger farmers,richer farmers and farmers who were members of co-op could get credit more easily.Farm income played a more important role in whether farmers get credit or not than age.Sex,education,off-farm experience,labor,education fee,total income,hectare tilled,income source were insignificant.更多还原