信用约束、信贷调节与农民收入增长  

Credit Constraints,Loan Adjustment and Farmers' Income Growth

作　　者：王小华[1,2] 

机构地区：[1]西南大学经济管理学院,重庆400715 [2]西南大学统计学博士后流动站,重庆400715

出　　处：《财贸研究》2015年第5期41-50,共10页Finance and Trade Research

基　　金：重庆市社会科学规划项目"新型城镇化进程中的人口有序流动及其分布均衡研究"(2013PYLJ03);国家社科基金重点项目"财政金融服务创新与新型农业经营体系构建的协同机制与模式研究"(13AJY019);教育部人文社会科学研究青年基金项目"金融要素空间集聚与城乡居民收入差距演化的耦合机理研究"(13YJC790149)

摘　　要：整体而言,降低信用约束并不能实现农民增收,反而有显著的负面作用;但是,农户贷款量的增加和非涉农银行的信用约束降低均能显著提升农民收入。财政支农、农户人均住房总价值和乡村人力资本的提高均能够显著推动农民收入增长,但是乡村人力资本对农民增收效应存在明显的性别差异,其中,男性人力资本对农民收入具有显著的正向推动作用,其系数仅略小于乡村人力资本系数,相反,女性人力资本却并没有成为推动农民收入增长的显著要素。因此,农村金融应该严格区分贷款和救助金,农村金融的改革应向着定位明确、职能清晰的方向前进,政策性金融和商业性金融的边界必须明确。Reducing credit constraints market cannot increase farmers' income,but plays a significant negative role,how ever,to increase the amount of farmers' loan and to reduce non- agricultural banks' credit constraints can significantly improve farmers' income. Fiscal supports for agriculture,the total value of farmers' per capita house and rural human capital improvement are able to significantly promote farmers' income growth; but there is significant gender differences between rural human capital and the effect of farmers income growth. M ale human capital has a significant positive role on farmers' income,and its coefficient is only slightly less than the rural human capital factor,on the contrary,female human capital is not a significant factor influencing farmers' income growth. Therefore,rural finance should strictly distinguish the difference between loans and aid,the reform of rural finance should be clearly positioned and functioned,and the boundaries of policy finance and commercial finance should be clear.

关 键 词：信用约束 信贷调节 农民收入增长 

分 类 号：F832.4[经济管理—金融学] F323.8