| 摘要: |
| 本文利用有关调查数据，分析了我国西部地区农户家庭基本特征，农户储蓄情况
农户金融需求基本特征，并运用多分类逻辑回归模型分析了其信贷可得性的影响因素及各因
素的作用机制， 最后从进一步满足农户的金融需求$非正规金融向正规金融转化机制的完善，
农村金融成长机制的设计，以供应链金融带动西部地区农村金融成长等四方面给出了政策
建议。 |
| 关键词: 西部地区 农户特征 信贷需求 信贷可得性 农村金融 供应链金融&非正规金融 |
| DOI： |
| 分类号: |
| 基金项目: |
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| Empirical Analysis of Rural Households’Credit Demand and Influencing Factors of Its Attainability in West Region of China |
|
QIU Juan-dong,HE Feng-jun
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| Abstract: |
| Using related survey data,this paper analyzes the basic characteristics,the saving conditions and the financial demand characteristics of the rural households in west region of China,and the influencing factors of attainable credit and the working mechanism of these factors are analyzed by multinomial logic regression model.At last,the author gives the corresponding suggestions from four different perspectives such as further meeting the rural households' financial demand, perfecting the convert mechanism from irregular finance to regular finance,designing of the rural financial growing mechanism,and useing the supply chain finance to motivate rural financial growth in west region of China. |
| Key words: west region of China characteristics of rural households financial demand financial attainableness rural finance supply chain finance irregular finance |
