不同地理环境下农户融资行为分析——以河南省石棺村、上河村、阴西村为例

《不同地理环境下农户融资行为分析——以河南省石棺村、上河村、阴西村为例》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、AbStractRl】ralhouSeholds，cellsofthesocie吼aremaillbodyoftheeconomyinmicroscale．ThefinancingbehaViorofrurallhouseholdshaSbeenbecomingaSmemoStpreVailingfactorofeconomicdevelopmentinruralareaLs．HoweVer，thefinaIlcingbehaViorisinnuencedgreatlybygeogr印KcalenViro衄en

2、t．Tllus，tlleaimofthisp印eristoanalyzetheevolutiona11dVariallceoffmancingbehaViorunderdi髓rentgeogr印hjcalconditions自DmtheperspectiVeofmralhouseholds．MoreoVer，inordertomakeabrea蛐啪u曲int11ebottleneckofeconomicgrowthinmralregions，mep印er仃iestodevelopafiImcingsystemf

3、ormra】regionshmlblya11diⅢbmlallyinsInallscalef．romaSpectofV撕ousgeogr印llicallocations．Thep印erfirstaIlalyzesthemeo拶ofru：ralfinancingbehaVioraIldmakes3pres啪ptionsforfinallcingdemaIldinruralregions．Theninfomalfinance。supponedfinaIlcingbehaViorisdiscussedintheo巧o

4、f们decoStaIldincompleteco船act．Thep印erex锄ines也eeVolutionandV撕anceoffinancingbehaviorinmralregionsin吐lecomextofbomllistoryandgeo伊印hy．5aSpectsrelatedtorur2Llfinancingarediscussed，i．e．，occurrencerate，f．mancingstan出Ⅱ-d，蛐mctureoffinancialsources，f-mancingscale锄dits

5、uSage．Lo班modelandTobitmodelareemployedint11epapertoaIlalyzeinnuencefactorsofnmlfinallcingindi虢rentregions；aIldthedifferenceofVariouSfactIDrsiscompared．0axaca-BlinderDecompositionisusedtoexplainnleVarianceofmefIactorSacrossregions．Fin2Llly，conclusionsaredr删ma

6、Ildsomepropositionsputfo刑ardtohelpconstmctahealthyf-manciIlgsystemforruralhouseholdsofdi虢rentregions，scalesaIldleVels．Thedef-ectofthep印erisalsopointedout．11lebaSicconclusionsofthep印erare2Lsfollows：a．Theoccurrencerateof删fmallcing，舶m20％to30％，iscomparatiVelylow

7、．b．There’slargenucn斌ioninmefomlalfirmcingwllichcomproIlliSesitsfinanciale伍cieIlcy趾dmakestlleintereSt—fIreeIⅡfinancingamongruralhouseholdsmuchmorepreVailing．c．Smallscalefinancing，丹om1，000RMBto1OO，000I之MB，ispopularinruralregions．Ex锄inationwithhi曲scmtiIlyoftlle

8、s锄pleVillagesshowsGaussiandistributionofsmallscalefinaIlcing．d．FimmcingismaimyintendedforliVingpu印ose，notforf．釉ing．Andt11ere’shi曲collrelationbe铆eentheusageandt11escale．e．Factorsdetenniningbehavi