信贷市场对农地流转市场发育的影响  

The Effect of Credit Market on the Development of Farmland Circulation Market

作　　者：许泉[1] 张龙耀[2] 吴比[3] 

机构地区：[1]南京农业大学计财处,北京100810 [2]南京农业大学金融学院,江苏南京210095 [3]农业部农村经济研究中心,北京100810

出　　处：《华南农业大学学报（社会科学版）》2016年第4期19-30,共12页Journal of South China Agricultural University(Social Science Edition)

基　　金：国家自然科学基金面上项目(71573125);国家自然科学基金青年项目(71103132);国家自然科学基金青年项目(71303104);南京农业大学中央高校基本科研业务费人文社会科学研究基金(SKCX2014010;SKZD2015003)

摘　　要：我国农地流转市场逐步呈现出适度规模化、有偿化和契约化的趋势,导致农户参与农地流转市场的资本门槛提高。基于3省706户农户调查数据,在控制信贷获得与农地流转决策可能存在的内生性的基础上,从微观层面实证检验农村正规和非正规信贷市场对农户农地流转决策的可能影响。结果表明,正规信贷和非正规信贷对农户转入农地行为和转入规模产生显著正向影响,但是由于农村正规信贷市场不完善以及现行法律禁止农地抵押,非正规信贷对农户农地转入规模的影响更大。未来加快推进农地抵押制度改革和完善农村正规信贷市场有利于促进农地流转和发展适度规模经营,实现农村信贷和农村土地两个要素市场的良性互动和均衡。Chinese farmland circulation market comes to modest scale , commercialization and contracts sprit, and resulting in capital threshold improvement of peasant households ’ participation in the farmland circulation market .Based on the survey data of 706 peasant households , and controlled the endogeneity between credit access and farmland circulation , this paper studies the possible effects of rural formal credit market and informal credit market on peasant households ’ decision in farmland circulation .The results show that formal credit and informal credit have significant positive impacts on peasant house -holds ’ behavior and the scale of farmland circulation .However , because of imperfect rural formal credit market and existing laws prohibiting rural land mortgage , informal credit has a greater impact on the scale of circulation.Accelerating farmland mortgage system reform and improving rural formal credit market will promote farmland circulation , develop a moderate scale management and realize positive interaction and balance between rural credit market and rural land market .

关 键 词：正规信贷 非正规信贷 农地流转 农地抵押 适度规模 内生性 

分 类 号：F832.43[经济管理—金融学]