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“5.12”汶川大地震之后,农户的灾后重建带来巨大的资金需求,而金融机构贷款是满足需求的主渠道。根据四川省5个重灾县451户农户的问卷调查数据,本文先对灾区农户的财产损失、灾后重建的资金缺口及其筹资渠道进行了描述性分析,然后用Logistic模型识别了农户信贷资金需求的影响因素。结果显示,灾区农户的户均总损失为46464元,其中房屋损失占81.7%;农户的资金需求具有缺口大、筹资渠道有限等特点;57%的被调查农户获得银行贷款,96.7%的农户贷款是为了建房,贷款的期限和额度主要集中在1～5年和1～5万元;影响农户贷款需求的因素有户主年龄、农户地形、收入和损失。文章最后提出了三点政策性启示。
After the “5.12 ” Wenchuan earthquake, farmer households ’post-disaster reconstruction brought tremendous funding needs, and financial institutions’ loans are the main channel to meet the demand. According to the survey data of 451 farmer households in 5 severely affected counties of Sichuan Province, this paper first describes descriptive analysis of the property losses of farmers in the disaster areas, the funding gap for post-disaster reconstruction and the financing channels, and then uses Logistic model to identify the needs of farmers’ credit funds The impact of factors. The results showed that the average household loss per household was 46,464 yuan, of which 81.7% was homeownership losses. The capital needs of farmers were characterized by a large gap and limited financing channels. 57% of the households surveyed received bank loans and 96.7% Is to build a house, the duration and amount of loans are mainly concentrated in 1 to 5 years and 1 to 5 million; the factors that affect the demand for loans to farmers are the age of the owners, the topography of farmers, income and losses. The article concludes with three policy implications.