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本文采用内生转换模型分析信贷配给与农户福利水平之间的关系,使用江苏省欠发达的北部地区372个农户调查样本,实证分析目前经济欠发达地区农村的信贷配给状况、影响农户信贷配给的主要因素以及信贷配给下农户借贷的福利效果。计量结果表明,大多数的信贷配给主要是来自于正规金融机构,28.49%的样本农户受到了信贷配给,农户户主年龄、耕地面积、非农收入对其受到信贷配给的概率有统计上显著的负向影响。信贷配给影响农户的收入水平,因此,增加对受到信贷配给农户的贷款可以显著提高其收入水平。
In this paper, the endogenous conversion model is used to analyze the relationship between credit rationing and the welfare level of farmers. By using the survey sample of 372 farmer households in the underdeveloped northern part of Jiangsu Province, this paper empirically analyzes the credit rationing in rural areas of underdeveloped areas and affects the credit rationing of rural households The main factors and the welfare effect of peasant household loan under credit rationing. The measurement results show that most of the credit rationing is mainly from the formal financial institutions, and 28.49% of the sample farmers are credit rationed. The probability of credit rationing by non-farm payers is statistically significant To influence. Credit rationing affects the income level of farmers, so increasing loans to rationed farmers can significantly increase their income levels.