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普惠金融作为反贫困的有力工具,宗旨是使被排除在金融体系之外的穷人和低收入者可享受到有效的金融服务来改变他们的生活。小额信贷作为普惠金融体系的核心因素,因此发展农户小额信贷对普惠金融体系有着至关重要的作用。本文选择吉林省榆树市农户为调查对象,依据100份农户调查数据,运用Logistics回归分析方法,分析影响农户小额信贷的因素。实证结果表明农户自身教育水平、家庭人口数及农户对小额信贷的态度具有显著影响。最后依据研究结果提出合理建议。
As a powerful anti-poverty tool, inclusive finance aims to enable poor and low-income people who are excluded from the financial system to have access to effective financial services to change their lives. Microfinance is a core factor in an inclusive financial system. Therefore, the development of microfinance in rural households plays a crucial role in the inclusive financial system. This paper selects the farmers in Yushu City, Jilin Province as the survey object, and based on the survey data of 100 farmers, uses the Logistic regression analysis method to analyze the factors that affect the farmers’ microfinance. The empirical results show that farmers ’own education, family size and farmers’ attitudes towards microfinance have a significant impact. Finally, based on the results of the study put forward reasonable suggestions.