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本文运用Biprobit模型,采用湖北省930家农村微小企业的调查数据,从农民创业者的融资渠道选择和正规金融机构的信贷配给决策两方面检验农民创业的信贷约束。结果表明,有贷款需求的农民创业者只有不到60%能获得正规金融机构资助,农村信贷市场存在明显的信贷约束;正规金融机构倾向于为素质高、经验丰富、个人资产较多的农民提供贷款,而个人资产较多的农民不愿向其申请贷款,导致供需错位,另外女性、与银行有一定“关系”的农民更容易获得贷款。
Based on the survey data of 930 rural micro-enterprises in Hubei Province, this paper uses the Biprobit model to test the credit constraints of peasant entrepreneurship from the perspectives of financing channels of peasant entrepreneurs and credit rationing decisions of formal financial institutions. The results show that less than 60% of peasant entrepreneurs who have loan needs can get financial support from formal financial institutions, and there are obvious credit constraints in rural credit markets. Formal financial institutions tend to provide peasants with high quality, rich experience and more personal assets Loans and peasants with more personal assets are reluctant to apply for loans to them, resulting in a dislocation of supply and demand. In addition, women and peasants who have a certain “relationship ” with banks are more likely to get loans.