农户融资渠道选择影响研究——基于农业产业链视角

摘要

以山东省莱芜市农户为调查研究对象,通过建立Logistic模型,研究农业产业链背景下影响农户融资渠道选择的因素.结果显示:农户加入龙头企业带动型农业产业链、农户受教育程度以及农户能够承受的最高利率对农户融资渠道的选择有显著影响,且影响方向为正向,说明农户更倾向于向银行等正规金融机构借款.因此,我国应促进农业产业链的发展,完善正规金融机构借贷机制,促进我国农业的发展.%Taking farmers in Laiwu City of Shandong Province as the study object,the factors that influenced the choice of financing channel of a peasant were studied by using the Logistic model.The research showed that joining in the leading enterprises driven agricultural industrial chain had a remarkable effect on the choice of financing channel.Meanwhile,the level of apeasants' education and the maximum affordable interest rate could affect it significantly,too.And,the effects were all positive.It indicated that peasants preferred loaning from formal financial institutions.Therefore,we should develop the agricultural chain and improve lending mechanism of formal financial institutions to promote the development of agriculture in China.