西部地区农村产权抵押贷款对农户收入的影响研究

发布时间：2018-04-28 06:18

本文选题：农村产权抵押贷款 + 农户收入　；参考：《西北农林科技大学》2015年硕士论文

【摘要】：随着我国农村改革进程的不断深入,农村金融服务作为其中重要组成部分在解决我国“三农”问题中扮演着越来越重要的角色。总体来说,在我国西部地区,农户生产过程中资金需求量大与农村金融市场资金有效供给不足的矛盾十分突出,农村金融市场处于供小于求的困境。和生产三要素中的劳动力、土地相比,资金制约即农户贷款难已经成为西部地区农村经济发展的主要制约因素。农户缺乏贷款抵押物造成融资困难,直接导致农村地区资本充裕度不足。农村产权抵押贷款较好地契合了农户正规信贷需求,成为解决农户融资难的新渠道。本文试图分析农村产权抵押贷款对农户收入的影响方向和程度,以期从农户增收的实际效果方面说明农村产权抵押贷款实施的必要性。本文基于农村产权抵押贷款调研数据,首先对农户收入进行了简单的描述,对其收入分布形态有直观的了解,发现农户收入分布存在明显的右偏“厚尾”现象;然后从农村产权抵押贷款经历和贷款要素(贷款额度、贷款用途、贷款年限)两个维度,顺次构造线性均值回归模型、线性分位数回归模型、非参数可加模型及半参数分位数回归模型,对不同收入水平的农户总收入进行研究,并对所列模型进行了对比分析,发现线性分位数回归模型对贷款经历因素反映显著,半参数分位数回归模型对贷款要素反映显著。最后运用线性分位数回归模型和半参数分位数回归模型分析不同收入水平农户的农业收入和非农业收入,分析得出结论:1.贷款经历对各个收入水平的农户增收均有显著的正向影响,其对农业收入的贡献率明显高于非农业。2.贷款额度对各个收入水平的农户总收入、农业收入影响显著为正,且影响趋势大体一致,其对农户总收入的拉动作用主要通过促进农业收入增长来体现。贷款额度对中下、中、高收入农户的非农业收入有积极影响。3.贷款用途对中上、高收入农户的总收入,中、中上、高收入农户的农业收入,以及高收入农户的非农业收入影响显著为正,用于生产性支出的借贷资金对收入有显著的正向促进作用。4.贷款期限对各个收入水平的农户总收入、农业收入均不显著,但对中下收入农户的非农业收入显著为正,非农业经营产业链较长,相对较长的贷款期限对非农业收入有拉动作用。提出建议:1)金融机构协同各行政村村委会加大农村产权抵押贷款政策宣传解释力度,提高农户参与积极性,以期进一步扩大农村产权抵押贷款的受助面以增大政策实施效应;2)金融机构放宽农户贷款用途和贷款期限的限制,加大对农户生产生活领域的借贷支持范围和力度;3)政府部门应着重创造更多农业和非农生产投资机会,提高农户投资力,并加强农户教育、技术技能培训,为促进农户收入持续增长打下坚实基础。
[Abstract]:With the deepening of rural reform in China, rural financial services, as an important part of rural reform, play an increasingly important role in solving the problem of "agriculture, countryside and farmers". In general, in the western region of China, the contradiction between the large demand for funds and the insufficient supply of funds in the rural financial market is very prominent, and the rural financial market is in the dilemma of supply less than demand. Compared with the labor force and land in the three factors of production, the capital constraint, that is, the difficulty of farmers' loan, has become the main restricting factor of the rural economic development in the western region. The lack of loan collateral leads to financing difficulties, which directly leads to the shortage of capital adequacy in rural areas. The mortgage loan of rural property right meets the demand of farmers' formal credit and becomes a new channel to solve the problem of farmers' financing. This paper attempts to analyze the direction and extent of the impact of rural property right mortgage loans on farmers' income in order to explain the necessity of the implementation of rural property rights mortgage loans from the practical effect of increasing farmers' income. Based on the survey data of the rural property right mortgage loan, this paper firstly describes the income of the peasant household, and finds out that the distribution of the income of the peasant household has obvious phenomenon of "thick tail" on the right. Then the linear mean regression model and linear quantile regression model are constructed from the two dimensions of rural property right mortgage loan experience and loan elements (loan quota, loan purpose, loan life). The non-parametric additive model and semi-parametric quantile regression model are used to study the total income of farmers with different income levels, and a comparative analysis of the models is made. It is found that the linear quantile regression model has a significant effect on the loan experience factors. The semiparametric quantile regression model reflects the loan elements significantly. Finally, the linear quantile regression model and semi-parametric quantile regression model are used to analyze the agricultural income and non-agricultural income of farmers with different income levels. The loan experience has a significant positive effect on the increase of farmers' income at all income levels, and its contribution rate to agricultural income is obviously higher than that of non-agricultural income. The effect of the loan quota on the total income of farmers at each income level is significantly positive, and the influence trend is basically the same. The pulling effect of the loan quota on the total income of farmers is mainly reflected by promoting the growth of agricultural income. Loan quota has a positive effect on non-agricultural income of middle, middle and high income farmers. The impact of loan use on the total income of middle and high income farmers, the agricultural income of middle and middle income farmers, and the non-agricultural income of high income farmers was significantly positive. Lending funds for productive spending have a significant positive effect on income. The loan term is not significant for the total income of farmers at all income levels, but for the middle and lower income farmers, the non-agricultural income is significantly positive, and the industrial chain of non-agricultural management is longer. Relatively long term loans to non-agricultural income has a pull. Put forward suggestions: 1) Financial institutions, together with the administrative village committees, increase the propaganda and interpretation of the rural property right mortgage loan policy, so as to increase the participation enthusiasm of farmers. With a view to further expanding the scope of rural property right mortgage loans to increase the effect of policy implementation, financial institutions relax the restrictions on the use and duration of loans for farmers. Government departments should focus on creating more investment opportunities for agricultural and non-agricultural production, enhancing farmers' investment capacity, and strengthening farmers' education and technical skills training. It will lay a solid foundation for the sustained growth of peasant household income.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F323.8;F832.4

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