【摘要】 笔者根据中国家庭金融调查的微观数据,分析了我国农户的贷款状况,运用双栏模型(Double-Hurdle Model)以及bootstrap方法检验了农户个体和家庭特征等因素对农户贷款状况的影响。结果发现,我国农户获得贷款的难度还是比较大的;共产党员身份、风险偏好等变量对农户贷款可得性的影响较为显著;资产规模、家庭收入等变量对农户贷款金额的影响较为显著;经营规模、共产党员身份等变量对农户获得贷款的概率和获得贷款的金额的影响存在明显差异。基于此,笔者提出加大政策性金融支持力度、完善抵质押和担保等制度以及创新信贷产品等旨在提高农户贷款可得性的政策建议。更多还原

【Abstract】 This paper uses double-hurdle model and bootstrap method analyses the questionnaire data from China Household Finance Survey( CHFS),and tests how the individual characters and household characters influence their accessibility to credit.The results indicate that:( 1) The party membership,risk appetite have significant influence on credit accessibility.( 2) The level of family income,asset size have significant influence on loan amount,and these characters have different influence on credit accessibility and loan amount.The policy implications include setting up policy-oriented financial support system,improving credit guarantee system,and launching an innovation of financial products.更多还原