农业转移人口市民化过程中的信贷行为分析.pdfVIP

鍐滀笟杞Щ浜哄彛甯傛皯鍖栬繃绋嬩腑鐨勪俊璐疯涓哄垎鏋 鈥斺€斿熀浜庣彔娴峰競寰瀹跺涵鏁版嵁鐨勫疄璇佺爺绌 鎽樿锛氬啘涓氳浆绉讳汉鍙ｅ競姘戝寲鏄繎鍑犲勾绀句細绉戝棰嗗煙鐨勭儹闂ㄨ瘽棰橈紝鑰屾秷璐归噾铻嶄篃鏄粡娴庡鍜岄噾铻嶅 涓€涓揩閫熷叴璧风殑棰嗗煙銆傛湰鏂囨鏄粨鍚堜袱涓柟闈紝涓昏閫氳繃鍩轰簬鐝犳捣甯?00鎴峰搴殑寰灞傞潰鐨勮皟 鏌ユ潵鍒嗘瀽鍐滀笟杞Щ浜哄彛浜烘皯鍖栬繃绋嬩腑鐨勪俊璐疯妯＄殑鐗瑰緛鍙婂叾褰卞搷鍥犵礌锛屽苟鍒╃敤浜屽厓Probit绂绘暎閫 鎷╂ā鍨嬪鍐滀笟杞Щ浜哄彛淇¤捶娓犻亾閫夋嫨琛屼负杩涜瀹炶瘉鍒嗘瀽鏈€鍚庯紝鎴戜滑閽堝鐮旂┒缁撴灉棰勬祴甯傛皯鍖栬繘绋 涓殑娑堣垂閲戣瀺鍙戝睍娼滃姏骞舵彁鍑虹浉鍏虫斂绛栧缓璁€ 鍏抽敭璇嶏細鍐滀笟杞Щ浜哄彛 淇¤捶瑙勬ā 淇¤捶娓犻亾閫夋嫨 Probit妯″瀷 Analysis of Credit Behavior during Citizenization of Rural-Urban Migrants: Empirical Research on Dataset of Households in Zhuhai Abstract: Citizenization of Rural-Urban Migrants is a hot topic in the field of social sciences in recent years, consumer finance is also a new developing field of finance and economic research. Based on the dataset of 300 households in Zhuhai, this paper analyze the characteristics and influencing factor of credit scale from both social sciences and finance respects, and then use Binary Probit Discrete Choice Model to conduct positive analysis on credit channels choice behavior of Rural-Urban Migrants. Prediction on development potential of consumer finance during citizenization of Rural-Urban Migrants and some policy recommendations are put forward in this paper. Key Words锛欳itizenization Credit scale Credit channels Probit Discrete Choice Model JEL Classification 锛欸21; N35; R51 涓€銆佸紩瑷€ 鍐滀笟杞Щ浜哄彛涓昏鏄寚浠庝簨闈炲啘浜т笟浣嗕粛淇濈暀鍐滄皯韬唤鐨勫姵鍔ㄨ€咃紝鑰屼粬浠殑甯傛皯鍖栬繃绋嬩篃鏄 鏀拺鎴戝浗鍩庨晣鍖栧彂灞曠殑閲嶈鎺ㄥ姏锛屽紩鍙戜簡瀛︽湳鐣屽拰绀句細鑸嗚鐨勫箍娉涘叧娉ㄣ€傚啘涓氳浆绉讳汉鍙ｇ殑甯傛皯鍖 涓嶄粎鏄竴涓ぞ浼氶棶棰橈紝涔熸湁鍏惰儗鍚庢洿娣卞眰娆＄殑缁忔祹闂銆傚啘涓氳浆绉讳汉鍙ｈ劚绂讳簡鍐滄潙浜屽厓閲戣瀺缁撴瀯锛 鍗翠篃闅句互瀹屽叏閫傚簲鍩庡競灞呮皯鐨勪俊璐锋柟寮忥紝浠庝俊璐疯涓鸿搴﹀垎鏋愬鍦ㄧ敱鍐滄皯鍚戝競姘戣繃娓＄殑鍐滀笟杞Щ 浜哄彛锛屽浜庡府鍔╂斂搴滃埗瀹氬悎鐞嗙殑鏀跨瓥鍜岄噾铻嶆満鏋勫畬鍠勪俊璐锋湇鍔★紝鍏锋湁閲嶈鎰忎箟銆 鎹浗瀹剁粺璁″眬缁熻锛屾埅鑷?014骞达紝鎴戝浗鍐滄皯宸ユ€婚噺涓?7395涓囦汉锛屽悓姣斿闀?.9%锛屽啘姘戝伐鎬 1 閲忎粛鐒跺簽澶 銆傚湪鏂扮殑鑳屾櫙涔嬩笅锛屽厷鐨勫崄鍏ぇ涔熸槑纭彁鍑衡€滃姞蹇敼闈╂埛绫嶅埗搴︼紝鏈夊簭鎺ㄨ繘鍐滀笟杞Щ 浜哄彛甯傛皯鍖栵紝鍔姏瀹炵幇鍩庨晣鍩烘湰鍏叡鏈嶅姟甯镐綇浜哄彛鍏ㄨ鐩栤€ 鐨勬柊鎬濇兂銆傝€屾嵁鐩稿叧鐮旂┒锛屽綋鍓嶅啘涓 杞Щ浜哄彛甯傛皯鍖栫患鍚堣繘绋嬪彧鏈?0%宸﹀彸锛堥瓘鍚庡嚡鍜岃嫃绾㈤敭锛?013 锛夛紝杩欏弽鏄犲嚭鐩墠鎴戝浗鍐滀笟杞