农村非正规金融、农户内部收入差距与贫困

发布时间：2019-06-14 05:37

【摘要】：本文从微观视角阐述了农村非正规金融对农户内部收入差距与贫困的作用机理,并基于江苏省农村地区1202户农户的调研数据以及农业部农村固定观察点数据进行了实证检验。研究结果表明,农户道义小农的属性使得非正规金融市场上生活消费借款通常不收取利息,而其理性小农的属性又使得生产投资借款一般收取高利息,且借入零息非正规借款的多为低收入农户;基于社会网络,农村非正规金融主要服务于低收入农户,一个村的非正规金融发展规模对该村基尼系数以及贫困人口占比的增长具有显著的抑制作用,而对收入最低的五分之一农户纯收入占比的增长具有显著的促进作用,即农村非正规金融通过为低收入农户提供金融服务而对农户内部收入差距的扩大及贫困具有缓解作用。
[Abstract]:This paper expounds the mechanism of rural informal finance on the internal income gap and poverty of farmers from a micro perspective, and makes an empirical test based on the survey data of 1202 farmers in rural areas of Jiangsu Province and the fixed observation point data of the Ministry of Agriculture. The results show that the attributes of farmers' moral smallholder farmers usually do not charge interest on domestic consumption loans in the informal financial market, while their rational small farmers generally charge high interest rates on production investment loans, and most of them borrow zero interest informal loans from low-income farmers. Based on the social network, rural informal finance mainly serves low-income farmers. The scale of informal financial development in a village has a significant inhibitory effect on the Gini coefficient and the growth of the proportion of poor people in the village, and has a significant role in promoting the growth of the proportion of net income of the 1/5 farmers with the lowest income. That is, rural informal finance can alleviate the income gap and poverty by providing financial services to low-income farmers.
【作者单位】：南京农业大学金融学院;西南交通大学经济管理学院;
【基金】：国家自然科学基金项目“农村非正规金融的收入效应及其正规化研究”(项目编号:71403124) 南京农业大学中央高校基本科研业务费人文社会科学研究基金(项目编号:SKJD2014001)的资助
【分类号】：F832.35;F323.8

【参考文献】