农民增收与农户正规信贷可得性——来自粮食主产省的经验证据  

Farmers' Income Increase and Formal Credit Availability of Their Households

作　　者：彭克强[1] 古世奎[2] 邱雁[3] 

机构地区：[1]西南财经大学中国金融研究中心 [2]西南财经大学金融学院 [3]西南财经大学中国西部经济研究中心

出　　处：《投资研究》2016年第10期4-14,共11页Review of Investment Studies

基　　金：2013年度国家社科基金重点项目"中国农村金融改革与农村金融制度创新研究"(13AJL010);国家社科基金重大项目"健全城乡发展一体化的要素平等交换体制机制研究"(批准号:14ZDA033)

摘　　要：本文基于四川省粮食主产区域农户调查数据,运用非线性逐步回归分析技术分别估计Tobit模型和Probit模型,实证考察粮食主产区域农民增收对农户正规信贷可得性的影响。结果显示,农民增收对农户正规信贷可得性具有双向影响,即农户人均收入增长在显著增加其正规信贷获得额的同时,也明显提高了自身面临的正规信贷约束程度。这表明现阶段中国广大农户在经济属性上已具备浓厚的理性小农色彩。该实证结论对于深刻理解国家近期出台的一系列农民就近创业扶持政策,都具有重要启示意义。Based on the survey data of peasant households in major grain producing areas of Sichuan province, using nonlinear stepwise regression analysis method to estimate the Tobit model and Probit model, we empirically examined the effects of increasing farmers＇ per capita income on the availability of formal credit of their household. The results show that increasing per capita income of the sampled farmers has the positive and negative effect on their availability of formal credit. That is, although increasing per capita income has positive effect on expanding the amounts of their formal credit, the increase also has negative effect on the probability of acquiring formal credit. This indicates that at present China＇s most farmers on the economic attribute are similar to rational peasants. The empirical conclusion is significant for us to deeply understand China＇s recent policies relating to supporting farmers entrepreneurship.

关 键 词：人均收入 正规信贷可得性 农户经济属性 农民创业 

分 类 号：F323.8[经济管理—产业经济] F832.43