农业生产投入视角下农户借贷的福利效应研究

发布时间：2018-06-03 05:27

本文选题：农业生产投入 + 农户借贷　；参考：《财经问题研究》2017年10期

【摘要】：笔者首先基于农业生产投入视角对农户借贷福利效应的形成路径进行理论分析,在此基础上,利用倾向得分匹配法(PSM)和中国家庭追踪调查(CFPS)数据,分析农户借贷行为并评价其福利效应。研究结果表明:正规借贷对家庭农业生产投入和农业收入均具有显著提升作用,而民间借贷的生产投入效果较弱且对收入的拉动作用不明显;教育水平高、生产规模大的家庭能够从借贷中受益更多。相比较而言,正规借贷经历、户主教育、地区金融体系完善程度和农产品价格是农户获得正规借贷的决定因素;而民间借贷经历和家庭社会网络能够有效提升农户获得民间借贷的可能性。此外,对借贷收入效应形成机制的研究结果显示,正规借贷的正向收入效应主要来源于新增资本投入的高回报率,而民间借贷的无效性是借贷引致投入量少和投入回报率低两方面原因共同作用的结果。
[Abstract]:Firstly, based on the perspective of agricultural production input, the author makes a theoretical analysis of the forming path of farmers' loan welfare effect. On this basis, the author uses the tendency score matching method (PSM) and the Chinese household tracking survey (CFPSs) data. This paper analyzes the behavior of farmers' borrowing and evaluates its welfare effect. The results show that: formal lending has a significant effect on household agricultural production input and agricultural income, while private lending has a weak effect on the production of investment and income pull effect is not obvious, the education level is high, Large-scale households can benefit more from borrowing. In comparison, formal lending experience, head of household education, regional financial system perfection and agricultural product prices are the decisive factors for farmers to obtain formal loans; Private lending experience and family social network can effectively enhance the possibility of farmers to obtain private loans. In addition, the results of the research on the formation mechanism of loan income effect show that the positive income effect of formal lending mainly comes from the high rate of return of new capital investment. The ineffectiveness of private lending is the result of low investment and low rate of return.
【作者单位】：东北财经大学经济学院/经济计量分析与预测研究中心;
【基金】：国家社会科学基金项目“农户行为视角下农业补贴政策减贫绩效评价及扶贫政策转型研究”(14BJY120);国家社会科学基金项目“多维视角下我国财政扶贫政策效应分析及精准扶贫政策研究”(16BJY147);国家社会科学基金重大项目“新常态下我国宏观经济监测和预测研究”(15ZDA011) 国家自然科学基金项目“新型城镇化的空间效应与区域政策工具组合创新”(41571121) 辽宁省高等学校优秀人才支持计划项目(WR2015002)
【分类号】：F323;F832.4

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