基于互联网平台的农户借贷行为影响因素研究--以陕西省农户为例

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1、密级公开分类号＿方知＇ＡＮＴＥＣＨＮＯＬＯＧＸＩＩＣＡＬＵＮＩＶＥＲＳＩＴＹ硕士学位论文题目：基于互联网平台的农户借贷行为影响因素研究—以陕西省农户为例作者：赤艳玲指导教师：国亮教授申请学位学科：金融学２０１８年５月２０日别从政府、互联网借贷平台和农户三个角度提出相应的对策建议，解决农村地区的融资困境。关键词：互联网平台；农户；贷款行为；影响因素；双栏模型Theresultsshowthattherearesignificantdif

2、ferencesintheimpactoftheexplanatoryvariablesonwhetherthefarmershaveaccesstoloansthroughtheInternetplatformandloanscale,andthatonlythescaleoffarmers'cultivatedlandandonlineshoppingfrequencyhavepassedthesignificantleveltestintheloanmodelofwhetherfarmersh

3、aveaccesstotheInternetplatformandloanamountmodelgainedthroughtheInternetplatformbyfarmers.Thethesisusesbootstrapestimationmethodtocalculatethemarginaleffectoftheexplanatoryvariablesthroughthesignificantleveltest,analyzingtheinfluencingdegreeofchangesin

4、aunitoftheseexplanatoryvariablesontheprobabilityofwhetherfarmershaveaccesstoloansthroughtheInternetplatformandtheobtainedloanamountwhenthemeanvalueofothervariablesistaken.Finally,thethesisputsforwardthecorrespondingcountermeasuresandsuggestionsrespecti

5、velyfromthethreeangles,thegovernment,theInternetlendingplatformandthefarmerstosolvethefinancingdifficultiesinruralareas,basedontheempiricalresultsandtheactualsituationinShaanxiProvince..Keywords:Internetplatform;Farmers;Loanbehavior;Influencingfactors;

6、Doublehurdlemodel目录1绪论............................................................................................................................................11.1研究背景..................................................................................

7、............................................11.2研究目的及意义..................................................................................................................11.2.1研究目的.........................................................................

8、...........................................11.2.2研究意义....................................................................................................................21.3国内外研究综述........................................................