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新型农村合作金融农户参与意愿及影响因素研究

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文章通过对山东省青岛市新型农村合作社的农户社员进行抽样调查,重点研究乡村振兴背景下社员参与新型农村合作金融的影响因素和破解路径.运用多因素方差分析法,选取户主年龄、借贷来源、金融认识情况等9个指标作为自变量,对影响社员参与新型农村合作金融参与意向展开分析,并在此基础上,运用Logistic模型,对除借贷来源以外的8个影响因素进行分析.结果显示,户主文化程度、借贷需求和当地农村合作社是否形成较完善的组织架构对农户参与意向具有正向影响.而其余家庭经济水平、金融认识情况等5个变量对农户参与意向具有负向影响.提高社员新事物接受能力、完善金融框架、扩大融资渠道等路径能够有效解决阻碍合作金融发展的障碍.
Research on the Influencing Factors and Farmers'Participation Willingness of New Rural Cooperative Finance
This paper focuses on the influencing factors and solving path of participating in the new rural cooperative finance under the background of rural revitalization through the sample survey data of farmers of the new rural cooperative in Qingdao,Shandong Province.Based on multi-factor analysis of variance,9 indexes,such as the age of the head of household,the source of borrowing and the financial cognition,are selected as independent variables to analyze the intention of influencing members to participate in the new type of rural cooperative finance.And on this basis,the Logistic model is used to analyze 8 influencing factors except the source of borrowing.The results show that the education level of the head of household,the demand for loans,and whether local rural cooperatives form a more perfect organizational structure have a positive impact on farmers'participation intention.The other five variables,such as economic level and financial cognition,have a negative effect on farmers'participation intention.Improving members'ability to accept new things,improving financial framework and expanding financing channels can effectively solve the obstacles that hinder the development of cooperative finance.

rural revitalizationnew rural cooperative financerealistic obstaclesolving path

汪艳涛、赵倩、张晓

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青岛理工大学商学院,山东青岛 266520

中国海洋大学管理学院,山东青岛 266100

乡村振兴 新型农村合作金融 现实障碍 破解路径

教育部人文社会科学研究项目山东省金融应用重点研究项目中国博士后科学基金面上项目

19YJCZH1502019-JRZZ-122017M622269

2024

商业观察

商业观察

ISSN:
年,卷(期):2024.10(14)
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