农村土地承包经营权抵押贷款与农户信贷可得性--基于组群配对的实证分析  

Rural Land Contracting Right Mortgage Loan and Credit Access:An Empirical Analysis Based on Cluster Matched Pairs

作　　者：黄惠春[1] 祁艳 程兰 

机构地区：[1]南京农业大学金融学院,江苏农村金融发展研究中心,邮政编码210095 [2]南京农业大学金融学院,邮政编码210095 [3]加州大学戴维斯分校农业经济资源系,邮政编码95616

出　　处：《经济评论》2015年第3期72-83,96,共13页Economic Review

基　　金：国家自然科学基金青年项目“农村金融机构信贷支农长效机制研究”(项目号:71103088);国家自然科学基金面上项目“农村土地承包经营权抵押、农户异质性与信贷约束缓解”(项目号:71473124);中国博士后基金“农地抵押贷款模式、绩效与制度需求”(项目号:2012M520056);中央高校科研业务费“农地抵押贷款运行绩效及其风险补偿机制研究”(项目号:SKJD2014001;SKCX2014011)的资助

摘　　要：本文以江苏省新沂市为例,采用组群配对法考察了农村土地承包经营权抵押贷款试点对农户信贷可得性的影响。研究发现,从村级层面看,试点村的农户信贷需求率与贷款发生率均高于非试点村,试点村的信贷配给率略低于非试点村,试点村小农户的完全数量配给率低于非试点村,大农户的部分数量配给率低于非试点村,但其差异在统计上均不显著;从农户层面看,运用多项Logit回归模型对农户信贷配给影响因素的估计结果表明,试点对降低农户完全数量配给具有显著影响。农地抵押贷款试点可在一定程度上缓解农户完全数量配给、提高农户信贷可得性,但在当前的农村法律经济条件下,农地抵押贷款发生率偏低,其预期效果并不显著。Using cluster matched- pairs of experimental and non- experimental villages to study rural land contracting right mortgage loan in Xinyi in Jiangsu Province,we evaluate the impact of the land loan on farmer credit access. The results show that： First,The demand and loan take-up rate in experimental villages is higher than that in non- experimental villages,but the credit rationing rate is lower in experimental villages. Compared with non- experimental villages,the completed quantity rationing rate of small farmers and the partial quantity rationing rate of big farmers are lower in experimental villages. But the t- test shows that the difference is not significant. Second,The regression result of multiple logit model shows that the experiment has a significantly negative impact on completed quantity rationing rate. Because of the current law,economic and social conditions in rural areas,the land loan take- up rate is low and the experiment is less efficiency.

关 键 词：农村土地承包经营权抵押贷款 信贷可得性 组群配对 多项Logit模型 

分 类 号：F832.43[经济管理—金融学] F321.1