农村民间借贷对农户家庭福利的影响效应——基于新疆的经验分析

发布时间：2018-01-03 06:21

本文关键词：农村民间借贷对农户家庭福利的影响效应——基于新疆的经验分析　出处：《西北人口》2017年02期 　论文类型：期刊论文

【摘要】：基于新疆农户家庭微观调研数据,选用倾向得分匹配法,构建农村民间贷款方放贷行为的平均处理效应(ATE)、处理组的平均处理效应(ATT)以及控制组的平均处理效应(ATU)模型,估计农村民间贷款方的放贷行为对新疆农户家庭纯收入、家庭生活消费支出及家庭生产经营投资的影响效应,并通过平衡性检验及稳健性检验验证了估计结果的可靠性。研究结果表明:所有样本农户的家庭纯收入、家庭生活消费支出及家庭生产经营投资均不同程度受到了农村民间贷款方放贷行为的影响,其中,农村民间贷款方的放贷行为在1%水平上显著促使农户家庭生活消费支出平均增加0.329万元,在5%水平上显著使得农户家庭纯收入和家庭生产经营投资分别平均减少1.454万元、0.126万元,说明农村民间贷款方的放贷行为促进了农户家庭生活消费,同时又抑制了农村家庭纯收入及家庭生产经营投资行为,最后根据实证研究结论提出了提升新疆农村民间借贷对农户家庭正向驱动效应的政策启示。
[Abstract]:Based on the data of household microcosmic survey in Xinjiang, we choose the tendency score matching method to construct the average processing effect of rural folk lenders' lending behavior (ATE). The average treatment effect (ATT) of the treatment group and the average treatment effect (ATU) model of the control group were used to estimate the net income of the rural folk lenders to the households in Xinjiang. The effects of household consumption expenditure and household production and management investment on the impact of the impact, and through the balance test and robustness test to verify the reliability of the estimated results. The results show that: all sample farmers' household net income. Household consumption expenditure and investment in household production and operation are affected by the lending behavior of rural private lenders in varying degrees. The lending behavior of rural non-government lenders significantly increased household living expenses by 3,290 yuan on average at the level of 1%. At the level of 5%, the net income and investment of household production and management were significantly reduced by 14,540 yuan and 1,260 yuan respectively. It shows that the lending behavior of rural folk lenders promotes the household life consumption, and at the same time inhibits the net income of rural households and the investment behavior of household production and management. Finally, according to the conclusion of empirical research, the paper puts forward the policy enlightenment of promoting the positive driving effect of rural folk lending in Xinjiang.
【作者单位】：新疆农业大学经济与贸易学院;山东财经大学金融学院;中南财经政法大学财政税务学院;
【基金】：国家自然科学基金资助项目(71562033);国家自然科学基金资助项目(71563053) 新疆自治区研究生科研创新项目(XJGRI2015085)
【分类号】：F832.4;F323.89
【正文快照】： 一、引言及文献综述新疆农村地区作为欠发达区域,农村地区农户贷款难是当地“三农”经济发展过程中亟待解决的重要课题,面临着高达67.82%的农村金融抑制程度(陈治国等,2016)[1],农户只能选取内生于农村地区的农村民间借贷来满足自身的信贷需求,而新时期的农村民间借贷作为农村

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