农户产权抵押借贷行为对家庭福利的影响——来自陕西、宁夏1479户农户的微观数据

发布时间：2018-04-21 18:18

本文选题：产权抵押 + 借贷行为　；参考：《中南财经政法大学学报》2014年05期

【摘要】：本文运用Tobit回归方程测算陕西、宁夏农村产权抵押试点地区农户产权抵押融资借贷行为对家庭福利的影响。研究显示,农户产权抵押借款对农户的家庭年收入、非农收入、生活消费支出和生产性支出均存在显著正向影响,显著改善了农户家庭福利水平,其中对生活消费支出的促进作用最为明显;而借贷对农户家庭农业收入影响不显著。研究还发现,土地经营规模、房屋价值、家庭经营类型对农户家庭收入及支出情况具有显著影响。因此,应进一步推进农村产权抵押融资模式发展,加大宣传力度,积极稳妥地推进农村土地流转,扶持、发展适度规模经营,提高农民科学文化素养,激活农村金融市场。
[Abstract]:This paper uses Tobit regression equation to measure the influence of the property right mortgage financing and borrowing behavior on the family welfare in the rural property right mortgage pilot areas of Shaanxi and Ningxia. The research shows that there are significant positive effects on household income, non-farm income, living consumption expenditure and productive expenditure, which can improve the family welfare level. Among them, the promoting effect on the living consumption expenditure is the most obvious, while the loan has no significant effect on the agricultural income of the peasant households. It is also found that the scale of land management, the value of houses and the types of household management have significant effects on household income and expenditure. Therefore, we should further promote the development of rural property right mortgage financing mode, increase propaganda, actively and steadily promote rural land circulation, support, develop moderate scale management, improve farmers' scientific and cultural literacy, and activate the rural financial market.
【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“西部地区农村金融市场配置效率、供求均衡与产权抵押融资模式研究”(IRT1176) 西北农林科技大学基本科研业务费人文社会科学项目“农村土地承包经营权抵押担保融资效果评价、运作模式与支持政策研究”(2014RWZD01)
【分类号】：F832.4;F323.89

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