农户分化、农地经营权抵押融资与农户福利——基于陕西与宁夏农户调查数据验证

发布时间：2018-07-10 09:32

本文选题：农户分化 + 农地抵押融资　；参考：《财贸研究》2017年07期

【摘要】：在农户分化视角下,采用处理效应模型分析2959农户参与农地抵押融资对其福利的影响。结果显示:农地抵押融资对农户家庭年人均收入、农业收入、年人均支出、生产性支出均有显著的正影响,表明农地抵押融资显著改善了农户福利水平;农地抵押融资对新型农业经营主体人均收入、农业收入、人均支出和生产性支出影响较大,而对传统农户生活消费支出影响较大;耕地面积、经营类型、总资产、家庭社会网络关系和贷款经历是影响农户福利的重要因素。
[Abstract]:From the perspective of farmers' differentiation, the effects of 2959 farmers' participation in agricultural land mortgage financing on their welfare were analyzed by using the treatment effect model. The results show that the annual per capita income, agricultural income, annual per capita expenditure and productive expenditure of farm land mortgage financing have significant positive effects, indicating that agricultural land mortgage financing has significantly improved the welfare level of farmers; The agricultural land mortgage financing has a great influence on the per capita income, agricultural income, per capita expenditure and productive expenditure of the new type of agricultural management, while it has a great influence on the living expenses of the traditional peasant households, the area of cultivated land, the type of management, the total assets, and so on. Family social network relationship and loan experience are the important factors influencing farmers' welfare.
【作者单位】：西北政法大学经济学院;西北农林科技大学农村金融研究所;上海应用技术大学经济与管理学院;
【基金】：教育部长江学者和创新团队发展计划资助项目“西部地区农村金融市场配置效率、供求均衡与产权抵押融资模式研究”(IRT1176) 国家自然科学基金项目“农村土地承包经营权抵押融资试点效果评价、运作模式与支持政策研究”(71573210) 西北农林科技大学基本科研业务费—人文社科项目“农村土地承包经营权抵押担保融资效果评价、运作模式与支持政策研究”(2014RWZD01)
【分类号】：F323.6;F832.43

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