农地抵押贷款借贷行为对农户收入的影响——基于PSM模型的计量分析

发布时间：2018-03-03 01:20

本文选题：农户收入　切入点：农地抵押贷款　出处：《农业技术经济》2017年10期 　论文类型：期刊论文

【摘要】：本文以宁夏和陕西地区6427户农户数据为例,采用倾向得分匹配法,研究了农地抵押贷款和其他贷款行为对农户收入的影响。结果表明,农地抵押贷款和其他贷款均促进了农户收入增长,参与农地抵押贷款提高了农户户均收入18228.8元、户均农业收入9807.9元。不同教育背景、年龄段农户贷款后的收入增长存在差异,户主学历为高中及以上的农户家庭,贷款后的收入增长较强烈,农地抵押贷款后也会获得比其他形式贷款更好的收入增长;户主年龄在29岁及以下、50~59岁的农户农地抵押贷款后可以获得较高的户均收入增长。现阶段,相比于其他贷款,农地抵押贷款对农户户均收入的促进作用并无优势,但对农户农业收入的促进作用显著。
[Abstract]:Taking the data of 6427 households in Ningxia and Shaanxi as an example, this paper studies the effect of agricultural land mortgage and other loan behaviors on the income of farmers by using the tendency score matching method. Agricultural land mortgage loans and other loans have promoted the growth of farmers' income. Participation in farmland mortgage loans has increased the average household income by 18228.8 yuan and the average agricultural income by 9807.9 yuan. There are differences in income growth after loans from different educational backgrounds and age groups. Households with high school education or above have stronger income growth after loans, and the income growth will be better than other forms of loans after agricultural land mortgage loans; The average household income of rural households who are under the age of 29 or below can be increased by mortgage loans. At this stage, compared with other loans, there is no advantage in promoting the average household income by agricultural mortgage loans. But to the farmer agriculture income promotion function is remarkable.
【作者单位】：西北农林科技大学经济管理学院;
【基金】：教育部“长江学者和创新团队发展计划”创新团队项目(编号:IRT1176), 国家自然科学基金面上项目(编号:71573210) 西北农林科技大学软科学研究项目(编号:2016RKX02);西北农林科技大学人文社科项目(编号:2014RWZD01)
【分类号】：F224;F321.1;F323.8;F832.43

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