家庭資產對農戶借貸行為的影響研究.pdf

1、匈類號UDC|fIIIIIIIIIIIIIIII3432922學號絲f5積算級埸i|唾太摹Y久NGZHOU』NIVERSITY碩士學位論文(全日制學術學位)家庭資產對農戶借貸行為的影響研究范華指導教師姓名：簽盤垡墨!鍪羔奠i型!』盤鱟：墨蒸型L三：主QQ窆申礴學位級別：碩士學科專業(yè)名稱：壅些絲瑟董翌論文提交日期：迦!墨主壘L論文答辯日期：三幽至至且一一學位授予單位：塹型盤芏一學位授予曰期：一一三鯉曼：圭魚旦答辯委員會主席：笪至筮撞2。0

2、1S年6月川Y■■■■■■■I1IlAbstractWiththedeepeningofruralfinanceinChina，theproblemoffarmers。loandifficultyhasbeenimproved，especiallyafteraseriesofeffectivepoliciessuchasthepromotionofgoodseedsubsidies，thesubsidyofagriculturalmac

3、hinery，theabolitionofagriculturaltaxandtheregulationofthepriceofagriculturalproducts，thelivingstandardandthestockofruralassetshavebeensteadilyimproved，andthefarmers’creditconstraintscausedbythelackofpropertymortgageareto

4、someextendrelievedBasedonthis，thispaperreviewsthedomesticandforeignrelatedacademicachievements矗omtheinfluenceoffamilyassetsontheloanoffarmers，thescaleoffarmers’lending，lendingchannelsanditsinfluencingfactors，andreviewsth

5、etheoryofcreditconstraints，transactioncosttheoryandfinancialinhibitiontheoryFromtheperspectiveofthedynamicdistributionofthetypesoffarmers’assetsstructure，thispaperanalyzestheimpactmechanismwhichhasaneffectonthefarmers’le

6、ndingbehaviorThispaperstudiestheinfluenceofhouseholdassetsstructureonFarmers’lendingbehaviorbyusingthedatafromthe2016ChinaFamilyPanelStudies(CFPS)Weusethedataoflandassets，realestate，financialassets，productivefixedassetsa

7、nddurableconsumergoodsasmajorvariables，andchoosetheage，householdsex，thelevelofeducation，socialcapitalandfamilysize，percapitalincomeandtheratioofnonagriculturalincomewhichaccountsfortotalincomeascontrolvariablestoanalyzea

8、ndstudytheinfluenceThroughtheeconometricanalysis，wecanfindsomeresults，andtheresultsareasfollows：Firstly，financialassetseffecttheoverallloanavailabilitynegatively，butthepropertytotheoverallloanavailabilityissignificantlyp

9、ositivelyrelatedwithdurableconsumergoodsandrealestateInaddition，productivefixedassetsandlandassetshavepositivecorrelationbutnotsignificanttotheoverallavailabilityofloansSecondly，comparedwiththequantitativeanalysisoftheav

10、ailabilityofformalandinformallending，wefoundthattheavailabilityoffinancialassetstoformalandinformallendingisnegativelyrelated，andproductivefixedassets，durableconsumergoods，housingassetsandlandassetshavemorestrongereffect

11、sontheavailabilityofformallendingHowever，socialcapitalhashigheravailabilitytoinformallendingthanformallendingWhat’Smore，age，gender，householdsizeandpercapitalnetincomeofhouseholdshaveapositiveimpactonformalandinformallend

12、ingFinally，theregressionanalysisoftheformalandinformallendingscaleshowsthatthefinancialassetsarenegativelyrelatedtotheformalandinformallendingscale，andtherealestatehasamoresignificantpositivecorrelationtotheinformallendi