农业信贷与保险互联影响农户收入研究--基于苏鄂两省调研数据  

Inter-linked Agricultural Credit Insurance's Impacts on Farmers' Income:On Data from Jiangsu and Hubei Provinces

作　　者：张建军[1] 许承明[1,2] 

机构地区：[1]南京农业大学经济与管理学院,江苏南京210095 [2]南京财经大学金融学院,江苏南京210046

出　　处：《财贸研究》2013年第5期55-61,共7页Finance and Trade Research

基　　金：江苏省应用经济学优势学科以及国家自然科学基金项目“民间资本参与我国风险投资业的发展:理论与实证”(70873056)资助

摘　　要：基于江苏、湖北两省的调研数据,选取在年龄、地区、土地、农业生产投资等变量上都相近的农户,分为基准组与实验组两组,采用平均处理效应下的Match模型,比较农户参与互联能否增加农业收入,结果表明:信贷与保险互联能有效改善农户信贷配给,显著提高农户农业收入,并有效降低政策性农业保险保费补贴的财政压力。By separating sample data from Jiangsu and Hubei provinces into base group and experimental group according to variables such as age,region,land and agriculture investment,this paper uses Match model,an average treatment model,to test weather joining in inter-linked agricultural credit insurance increases farmer’s income. Results show that the inter-linked agricultural credit insurance can improve credit rationing,increase farmers’ income,and reduce financial pressure of subsidies for policy-related agricultural insurance.

关 键 词：农业信贷保险互联 信贷配给 农户收入 

分 类 号：F7[经济管理—产业经济]