农地流转与规模化经营缓解了农户信贷约束吗？--来自江苏的经验证据  

Did Rural Land Circulation and Scale-land Management Decrease Credit Constraint on Rural Households? Evidences from Case of Jiangsu Province

作　　者：黄惠春 徐章星 祁艳[1] 

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,江苏南京210095

出　　处：《南京农业大学学报（社会科学版）》2016年第6期109-120,共12页Journal of Nanjing Agricultural University(Social Sciences Edition)

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”(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”(71473124);中央高校科研业务费(SKJD2014001,SKT2016023)

摘　　要：本文利用江苏省695户农户的调查数据,构建内生转换回归模型,分析了农地流转与土地规模对农户信贷约束的影响。研究发现:在传统贷款模式下,农户的信贷需求和金融机构的信贷供给之间存在结构性不匹配;农户实际耕地面积和是否流入土地对农户单位土地贷款额具有显著的负向影响,即随着生产规模的增加,农户的贷款强度下降,更容易受到信贷约束;与Heckman两阶段模型相比,内生转换回归模型将需求和供给效应分离,无论在理论分析还是实证结果上都更为有效和可靠。Using the survey data of 695 rural households in Jiangsu P rovince,we established Endogenous Switching Regression Model to evaluate the determinants of influence of rural land circulation and scale-land management on the credit constraint on rural households. The results showed that: in the traditional loan model,the credit needs and the supply of credit by finance institutions were not structurally matched; the actual land size and the existence of land rent-in had significant negative effect on the loan size per unit of farm land,which indicated that with the increase of production scale,the rural households' loan intensity declined and they were liable to be credit constrained. Compared with the Heckman Two-stage Model,the Endogenous Switching Regression Model,which achieves the separation of demand and supply effects,is more efficient and reliable in both theoretical and empirical study.

关 键 词：农地流转 土地规模 信贷约束 内生转换回归模型 

分 类 号：F301.3[经济管理—产业经济]