农民增收提高了农户正规信贷可得性吗——兼论中国粮食主产区农户的经济属性

发布时间：2018-03-03 06:43

本文选题：农民增收　切入点：正规信贷可得性　出处：《财贸经济》2017年06期 　论文类型：期刊论文

【摘要】：本文基于四川省16农业大市32农业大县农户系统调查数据,采用Tobit模型和Probit模型实证考察了四川粮食主产区域农户收入增长对其正规信贷可得性的影响效应,并在此基础上检验了当前四川传统农区农户的经济属性。全样本研究表明:农民增收有助于增加农户正规信贷获得额,但未能有效缓解农户面临的正规信贷约束,还明显加重了这一约束;而分位数回归结果显示,只有高收入农户增收才显著增加其正规信贷获得额,也只有中等收入农户增收才会加剧自身的正规信贷抑制。显然,低收入农户比较接近于生存小农,而中、高收入农户更贴近理性小农。在推进农村金融改革和农村金融制度创新中,应高度重视并切实搞好面向中等收入农户的信贷服务工作。
[Abstract]:Based on the systematic survey data of farmers in 32 big agricultural counties in 16 agricultural cities in Sichuan Province, this paper empirically investigates the effect of income growth on the availability of formal credit in the main grain producing areas of Sichuan province by using Tobit model and Probit model. On this basis, the economic properties of farmers in traditional agricultural areas in Sichuan are tested. The full sample study shows that increasing farmers' income helps to increase the amount of formal credit obtained by farmers, but can not effectively alleviate the formal credit constraints faced by farmers. The results of quantile regression show that only the increase in the income of high-income farmers significantly increases their formal credit access, and only middle-income farmers increase their income will aggravate their own formal credit suppression. Low-income farmers are close to subsistence farmers, while high-income farmers are closer to rational smallholder farmers. In promoting rural financial reform and rural financial system innovation, we should attach great importance to and do a good job of credit service for middle income farmers.
【作者单位】：西南财经大学中国金融研究中心;西南财经大学中国西部经济研究中心;
【基金】：国家社科基金“我国农村金融改革与农村金融制度创新研究”(13AJL010);国家社科基金“健全城乡发展一体化的要素平等交换体制机制研究”(14ZDA033) 西南财经大学2015年中央高校基本科研业务费重大基础理论项目(JBK151105)
【分类号】：F323.8;F832.43

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