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采用Probit模型对中国12个省(市)农户家庭信贷的微观数据进行分析,实证研究了高收入、中等收入与低收入农户在正规金融渠道与非正规金融渠道相互独立和相互影响的情况下其信贷渠道选择行为的影响因素,解析了中国农村二元金融结构特征下的农户分层信贷渠道选择行为。研究发现,家庭特征、经济特征以及金融生态环境对高收入、中等收入与低收入农户信贷渠道的选择行为有着不同影响,高收入农户的正规金融渠道与非正规金融渠道的选择行为相互独立,而中等收入与低收入农户的正规金融渠道与非正规金融渠道的选择行为相互影响。
Using the Probit model to analyze the micro-data of household credit in 12 provinces in China, this paper empirically studies the relationship between high-income, middle-income and low-income households under the condition that the formal financial channel and the informal financial channel are independent and influence each other The influencing factors of the choice of credit channels and the behavior of stratified credit channels of farmers under the dual financial structure of rural China. The study found that family characteristics, economic characteristics and financial eco-environment have different impacts on the choice of credit channels for high-income, middle-income and low-income households. The choices of informal financial channels and informal channels for high-income households are independent of each other. The regular financial channels of middle-income and low-income households interact with the choices of informal financial channels.