【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
【机 构】
：
西安财经学院经济学院,西北农林科技大学经济管理学院,
论文部分内容阅读
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。
The author introduces the concept of “income quality of migrant workers” into the research of credit demand. Based on the investigation of five dimensions of migrant workers’ income, such as adequacy, stability, structure, cost and knowledge, Binary Logistic Regression Model to explore the impact of migrant workers’ income quality on their credit demand. The results show that the four variables, household income and expenditure, labor income and total income ratio, living cost and job skills, have a negative impact on credit demand; and the number of change trades has a positive impact on credit demand.
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