期刊论文

中文

湘潭师范学院学报(社会科学版)

1009-4482

2018

21

4

125-131

10.13582/j.cnki.1672-7835.2018.04.020

国家社会科学基金项目(13BJY097)/湖南省教育厅项目(14C0163)/湖南省教育科学“十三五”规划项目(XJK17BGD003)/衡阳市市情研究项目(2017B[Ⅱ]012)

本校为其他机构

农户特征、家庭禀赋及社会资本对农户信贷约束均具有显著的负向影响,金融抑制对农户信贷约束具有显著的正向影响。因此,提升农户受教育水平,培育新型农业经营主体,提高农户家庭人均收入,降低农户贷款利率水平,加强农村金融机构覆盖面,对于降低农户金融抑制程度,缓解农户信贷约束具有基础性作用。

The characteristics of households,family endowment,and social capital all have significantly negative impacts on farmer constraint,while the financial repression has an obviously positive effect on farmer credit constraint. Therefore,fundamental roles will be played to reduce the farmers＇ degree of financial repression and ease their credit constraint by enhancing their education level of farmers,cultivating new agricultural management subjects,boosting per capital income of rural households,reducing farmer loan interest rates,and ...