An Empirical Study on the Influencing Factor of the Farmers Willingness to Engage in Financial Market： Based on a Survey of 3238 Households | 农户金融市场参与意愿与影响因素的实证分析――基于3238家农户的调查
2013
Wang Yang, Chengdu University of Information Technology, Chengdu(China),Business School | Qi Yanbin, Sichuan Agricultural University, Wenjiang(China）,College of Economics and Management
中国人. 【目的】分析农户参与金融市场的意愿与影响因素，并提出相应的政策建议。【方法】基于问卷调查数据，将农村家庭金融资产划分为无风险型和风险型，利用Logit方法对农户参与金融市场的意愿和影响因素进行实证分析。【结果】家庭变量的作用有不同表现。【结论】①家庭收入、家庭财富、人力资本和风险态度对农户金融市场参与概率有显著影响；②户主年龄、户主受教育程度、户主性别和家庭是否从事工商业经营显著影响农户的金融市场参与意愿；③婚姻状况和家庭规模对农户的金融市场参与意愿无显著影响。
显示更多 [+] 显示较少 [-]英语. [Objective] To analyze the influencing factors of the farmers engaging in financial mar- ket and put forward the corresponding policy recommendations. [Method] On the base of ques- tionnaires, farmers＇ financial assets are divided into two types, non-risk type and risk-type, and the farmers willingness to engage in financial market and its influencing factors were analyzed a- dopting Logit model. [Results] The influence of family variables are different. [Conclusion] 0 Income, wealth, human resource and attitude toward risk have significant impacts on farmers＂ fi- nancial market participation; （~ Age, gender and education level of head of household have signif- icant effects on the willingness of households＂ participation in financial markets. Whether the farmer is engaged in industry and commence also has positive effect; @） Family size and marital status have no obvious effects on household participation in financial markets.
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