收入质量对农民工信贷需求的影响研究——来自河南、山东、陕西的数据

摘要笔者将“农民工收入质量”概念引入信贷需求研究中,在对农民工收入的充足性、稳定性、结构性、成本性、知识性等5个维度进行考察的基础上,运用有序二元Logistic回归模型,探讨农民工收入质量对其信贷需求的影响。研究结果表明,收入质量中的家庭收支情况、务工收入与总收入比值、生活成本、工作技能等4个变量对信贷需求有负向影响;变量换行业次数对信贷需求有正向影响。

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	邓锴
	孔荣

关键词：农民工收入质量信贷需求农民工收入质量信贷需求农民工收入质量信贷需求农民工收入质量信贷需求

Abstract： In this paper the author put forward the theories of Income Quality. On the basis of analysis in 5 dimensions, the author chose the dual-logistic regression model to research the effect of income quality on the credit demand of migrant workers. Results show that 4 variables, namely family income, Migrant workers income and total income ratio, living expenditure and working skills, will make negative effect on credit demand; the mid-variable of job-change times will make positive effect on credit demand.

Keywords： Migrant Worker Income Quality Credit Demand Migrant Worker Income Quality Credit Demand Migrant Worker Income Quality Credit Demand Migrant Worker Income Quality Credit Demand

收稿日期 2014-02-11; 接受日期 2016-01-19;

基金资助:国家自然科学基金项目(71373205);高等学校博士点基金项目(20120204110035)

作者简介: 邓锴(1986-),男,陕西西安人,博士,讲师,主要从事农村金融研究;孔荣(1967-),女,新疆乌鲁木齐人,博士,教授,主要从事农村金融研究。

引用本文:

邓锴,孔荣.收入质量对农民工信贷需求的影响研究——来自河南、山东、陕西的数据[J]. 经济经纬, 2016,1: 30-35

DENG Kai, KONG Rong.The Influence of Midwest Migrant Workers’ Income Quality on the Credit Needs——A Case of Henan, Shandong and Shaanxi[J] Economic Survey, 2016,V33(1): 30-35

链接本文:

http://www.jjjw.org.cn/CN/ 或 http://www.jjjw.org.cn/CN/Y2016/V33/I1/30