农地转出、信贷可得性与农户融资模式的正规化

发布时间：2018-03-18 09:37

  本文选题：农地转出　切入点：信贷可得性　出处：《农业经济问题》2017年05期 　论文类型：期刊论文

【摘要】：农地转出不仅是资本对土地的要素替代,更是农户职业选择的深刻变迁,这就促进了资本深化并衍生出巨大的融资需求。信贷需求升级既促进农户的信贷可得性,也深刻影响融资渠道和信贷契约的模式选择。使用广东等9省份465个农户调查数据,本文对此问题进行分析结果表明,职业的非农化以及相伴而来的创业活动激活了农地转出者的信贷需求,提高了农户的信贷可得性;与此同时,农户的融资行为也趋于正规化,融资渠道更倾向于正规金融机构,契约类型更倾向于基于制度信任的正式契约。相应的政策建议是中国需要推进农村金融供给侧的结构转换,要积极探索宅基地、房屋和农地承包经营权等新型抵押品,通过产品设计和流程再造,使农村金融能通过供给侧转换而有效地满足土地转出者的信贷需求。
[Abstract]:Agricultural land transfer is not only the substitution of capital to land, but also the profound change of farmers' career choice, which promotes the deepening of capital and gives rise to huge financing demand. It also deeply influences the financing channel and the mode choice of credit contract. Using the data of 465 peasant households in 9 provinces such as Guangdong, this paper analyzes this problem. The non-agricultural occupation and the accompanying entrepreneurial activities have activated the credit demand of the farmland transferors and improved the credit availability of the farmers. At the same time, the farmers' financing behavior has also become more formalized, and the financing channels are more inclined to the formal financial institutions. The types of contracts tend to be based on formal contracts based on institutional trust. The corresponding policy recommendations are that China needs to promote the structural transformation of the supply side of rural finance, and actively explore new types of collateral such as homestead, housing and land contractual management rights. Through product design and process reengineering, rural finance can meet the credit demand of land transfer effectively through supply-side transformation.
【作者单位】： 华南农业大学国家农业制度与发展研究院;华南农业大学经济管理学院;
【基金】：国家社会科学基金重点项目(编号:16AJY015) 国家自然科学基金重点项目(编号:71333004) 教育部人文社科基金规划项目(编号:14YJA790039)
【分类号】：F301.3;F302.6;F832.4
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本文编号：1629059