放宽市场准入下农户借贷渠道选择及信贷可得性分析

发布时间：2018-04-29 18:04

本文选题：放宽市场准入 + 新型农村金融机构　；参考：《财贸研究》2017年10期

【摘要】：基于微观调查数据,实证分析放宽市场准入下农户借贷渠道选择行为以及农村金融服务覆盖面的扩大对农户正规信贷需求及其信贷可得性的影响。研究表明:年收入较高、劳动力人数较多且借贷用于非农生产的农户家庭更倾向于选择农村正规借贷渠道,其中年收入次之的农户家庭更偏好于新型农村金融机构,而年收入较低、劳动力人数较少且家有儿童、借贷用于消费、用于应急的农户家庭则更多地选择民间借贷;乡镇一级是否有新型农村金融机构的营业网点正向影响农户正规信贷需求及其信贷可得性,但后者在统计水平上不显著。虽然放宽市场准入能够极大地丰富农村金融服务主体,但是对于农户而言,新型农村金融机构与传统农村金融机构差别不大。建议有关部门推动农村金融服务主体差异化定位和特色化发展,立足"三农"需要,坚持市场导向,充分利用各类资源形成政策支持合力,积极促进农村金融增量改革,从而提高农户信贷可得性。
[Abstract]:Based on the microscopic survey data, this paper empirically analyzes the influence of the farmers' choice of lending channels and the expansion of the coverage of rural financial services on the farmers' formal credit demand and the availability of credit under relaxed market access. The results show that the rural households with higher annual income, more labor force and more loans for non-agricultural production tend to choose the rural formal lending channels, among which the households with annual income are more inclined to the new rural financial institutions. But the annual income is lower, the labor force is small and the family has the children, the loan is used for the consumption, the farmer household which uses for the emergency chooses the folk loan more; Whether there is a new type of rural financial institution's business network at the township level has a positive effect on the farmers' formal credit demand and the availability of credit, but the latter is not significant in the statistical level. Although the liberalization of market access can greatly enrich the main body of rural financial services, but for farmers, the new rural financial institutions and traditional rural financial institutions have little difference. It is suggested that relevant departments should promote the differentiated orientation and characteristic development of rural financial service subjects, adhere to the market orientation, make full use of all kinds of resources to form policy support forces, and actively promote the incremental reform of rural finance, based on the needs of agriculture, rural areas and farmers. In order to improve the availability of credit farmers.
【作者单位】：南京财经大学粮食安全与战略研究中心;南京财经大学江苏省现代粮食流通与安全协同创新中心;
【基金】：国家自然科学基金青年项目“农户贷款利率改革的福利分析——以农村信用社为例”(71203086) 江苏省教育厅高校哲学社会科学基金项目“放宽市场准入对农户家庭福利的影响及其作用机制”(2016SJB790014) 中国博士后科学基金项目(2017M610321)
【分类号】：F832.43

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