彭媛媛 周月书

摘要 以江苏省泰州市和南通市的农户为研究对象，通过问卷调查获取数据，研究在农业产业化的背景下农户融资渠道偏好的影响因素。运用因子分析法对影响农业产业化下农户融资渠道偏好的因素提取主因子，并建立Binary Logistic模型，分析生产经营条件因子、还款能力因子、家庭结构因子3方面的因素对农业产业化下农户融资渠道偏好的影响。结果表明，农业产业化下农户融资渠道偏好受还款能力因子、家庭结构因子的影响显著，且影响均为负向，说明还款能力因子、家庭结构因子的负向变化使得农业产业化下的农户融资渠道偏好于正规金融。

关键词 农业产业化；农户融资渠道；因子分析；Binary logistic

中图分类号 S-9 文献标识码

A 文章编号 0517-6611（2014）27-09596-04

An Empirical Study on Farmers Financing Channels Preference under the Background of Agricultural Industrialization—Taking Taizhou and Nantong in Jiangsu Province as an Example

PENG Yuanyuan¹， ZHOU Yueshu2*

（1.College of Finance， Nanjing Agricultural University， Nanjing， Jiangsu 210095；2.Jiangsu Rural Financial Development Research Center，Jiangsu Agricultural University Nanjing，Jiangsu 210095）

Abstract Taking farmers in Taizhou and Nantong， Jiangsu Province as research objects， through questionnaire investigation to obtain data， the factors that influence the farmers financing channels preference under the background of the agricultural industrialization were studied. Through factor analysis， the study extracted main factors from factors which have influence on farmers financing preference under the background of the agricultural industrialization. Then the study established the Binary Logistic model to analyze the influence that three factors， ones include production and business operation condition factor， reimbursement ability factor and family structure factor， have on farmers financing channels preference. The result showed that two factors—reimbursement ability factor and family structure factor—have significant impacts on farmers financing channels preference. At the same time， these two factors have negative effects which reveal that the negative changes of reimbursement ability factor and family structure factor cause farmers under the background of agricultural industrialization to prefer to the formal financial financing channels.

Key words Agricultural industrialization； Farmers financing channels； Factor analysis； Binary logistic

农业产业化是我国农业现代化的必由之路。2013 年中央一号文件明确提出要加快发展现代农业，鼓励农村规模化经营，鼓励农村多产生一些种粮、养殖大户，加快推进农业产业化的发展。然而作为农业产业化重要主体的农户在生产经营过程中面临着融资难的问题，虽然国务院已在2010 年 中央一号文件中指出要加强财税政策与农村金融政策的有效衔接，引导更多信贷资金投向“三农”，切实解决农村融资难问题，但是该问题仍然制约着农村的发展。在农村金融体系中，农民融资主要依靠正规金融和非正规金融两种途径，通过研究农业产业化下农户融资渠道的偏好，了解影响农户融资方式选择的因素，才能切实满足农村日益增长的信贷需求，推动农业产业化的发展。……