关键词: 农户借贷需求, Logistic回归模型, 差异性

Abstract: Based on the questionnaires of the farmers’ borrowing needs in twelve provinces and cities of China, we analyze the influencing factors and differentiations of the farmers’ borrowing needs by setting up the Logistic regression model. The statistic results indicate that the main influencing factors of farmers’ borrowing needs are the net income, the interest rate, the term of borrowing and the distance between the farmers’ home and the financial institution. Moreover, two econometric models considering the different districts and different income levels respectively are built for further differences analysis. Finally, we put forward some policy implications.

Key words: Borrowing needs, Logistic regression model, Differentiation