P2P网络借贷对农产品电商发展的影响研究  

The Influence of P2PLending on the Development of Agricultural Products E-business

作　　者：鲁钊阳[1,2] 廖杉杉[3] 

机构地区：[1]西南政法大学经济学院,401120 [2]西南政法大学法学博士后流动站 [3]重庆社会科学院秘书处,400020

出　　处：《财贸经济》2016年第3期95-108,共14页Finance & Trade Economics

基　　金：重庆市科委重点决策咨询与管理创新项目“重庆市农产品品牌创新战略研究”(cstc2015jccxB80002);国家社会科学基金项目“农产品价格基本稳定的长效机制构建及调控模式创新研究”(13XJY025);国家社会科学基金青年项目“金融服务创新促进新型农业经营主体发展的长效保障机制研究”(14CJY049)

摘　　要：作为一种全新的业态,农产品电商彻底颠覆了传统意义上钱货两清的交易模式,在方便城镇居民生活的同时,有力地促进了农业经济的发展。本文基于15个省级单位的微观调查数据,实证P2P网络借贷对农产品电商发展的影响。结果发现:P2P网络借贷对于增强农产品电商的偿债能力、营运能力和盈利能力均有显著的积极意义,对农产品电商发展的促进作用尤为明显;且在控制了P2P网络借贷的内生性之后,P2P网络借贷对农产品电商发展的促进作用进一步加强。同时,还发现:农产品电商的发展,会受到户主禀赋变量、家庭特征变量与区域特征变量等的影响。要促进农产品电商的发展,不仅需要进一步发挥P2P网络借贷在满足各级各类农产品电商融资诉求方面的优势,还需要调动农产品电商、农产品电商家庭以及农产品电商所在区域的积极性。As a new format, agricultural products E-business is convenient for urban residents, which has overturned the traditional transaction pattern, and it can promote the development of agricultural economy. Based on the microcosmic data of investigation, this paper has analyzed the influence of P2P lending on the development of agricultural products e-business. The results show that P2P lending can strengthen the debt paying ability, operation ability and profitability of the agricultural products E-business, and P2P lending can promote the development of the agricultural products E-business; if the endogeneity of P2P lending has been controlled, the promoting effect is stronger. At the same time, the development of agricultural products E-business is influenced by related householder variables, family variables and area variables. In order to develop the agricultural products E-business, it＇s necessary to exploit the advantage of P2P lending, and related stakeholders must do their best.

关 键 词：P2P网络借贷 农产品电商 农业经济发展 

分 类 号：F724.6[经济管理—产业经济]