农业补贴对农村金融市场的“挤出效应”——理论分析与实证检验

发布时间：2018-03-12 13:52

本文选题：农业补贴　切入点：正规金融　出处：《中南财经政法大学学报》2011年05期 　论文类型：期刊论文

【摘要】：针对我国农村金融机构年贷款增长率远低于政府农业年度补贴增长率的现实,本文构建一个理论分析框架,并基于农户调研数据进行实证分析。研究发现,农业补贴依次对非正规金融市场和正规金融市场形成"挤出效应";政府提高贷款利息虽可压缩非正规金融市场的"生存空间",但却会引致农户福利流失;非挂钩性农业补贴会强化(弱化)非正规金融市场(正规金融市场)的"挤出效应"。因而,政府不应单一地寄希望于制度创新,而应更多地关注农业补贴对农户借贷决策行为的影响。
[Abstract]:In view of the fact that the annual loan growth rate of rural financial institutions in China is far lower than the annual subsidy growth rate of government agriculture, this paper constructs a theoretical analysis framework and carries out empirical analysis based on the survey data of farmers. Agricultural subsidies form "crowding out effect" on informal financial market and formal financial market in turn, raising loan interest can reduce the "living space" of informal financial market, but it will lead to the loss of farmers' welfare. Non-linked agricultural subsidies can strengthen (weaken) the "crowding out" effect of informal financial markets (formal financial markets). Therefore, governments should not rely solely on institutional innovation. More attention should be paid to the impact of agricultural subsidies on farmers' lending decisions.
【作者单位】：中南财经政法大学工商管理学院;信阳师范学院经济管理学院;
【基金】：国家社会科学基金重大招标项目“加强农业支持力度的制度创新和政策调整对策研究”(08&ZD022) 湖北省教育厅人文社会科学项目“鄂西少数民族地区新农村建设发展对策研究”(2010y031) 中南财经政法大学研究生创新基金课题“中国财政支农的调整思路”(2010B0805)
【分类号】：F832.4;F224

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