Factors Affecting Farmer's Behavior in Participating in Formal Credit Market-Empirical Study on 435 Rural Households in Hebei Province

文献类型： 外文期刊

第一作者： Liu, Jie

作者： Liu, Jie

作者机构：

关键词： rural household;farmers' behavior;credit accessibility;binary logistic model

期刊名称：PROCEEDINGS OF 2009 CAER INTERNATIONAL ANNUAL CONFERENCE ON GLOBALIZATION AND CHINA'S AGRICULTURAL DEVELOPMENT

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年卷期： 2009 年

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收录情况： SCI

摘要： The farmers' difficulty in credit access is one of the key factors that restrict rural economic development and farmer's income increase. Based on the survey of 435 rural households in Hebei province, we use binary logistic regression models: (a) to test the determinants of farmers' behavior in participating the formal financial institutional credit market; and (b) to explore the factors affecting farmers' credit accessibility. The result shows that membership in rural credit cooperative, household net assets and farmers' evaluation to credit service that the formal financial institutions provide, affect significantly farmers' credit participation and accessibility. Finally, some policy implications and suggestions are provided to promote the healthy and rapid development of rural financial institution.

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