基于Heckman模型的农产品购销商借贷需求行为分析  

A Heckman Model Analysis of Credit Demand by Agricultural Traders

作　　者：胡历芳[1] 唐博文[1] 曾寅初[1] 

机构地区：[1]中国人民大学农业与农村发展学院,北京100872

出　　处：《农业经济问题》2017年第4期75-84,共10页Issues in Agricultural Economy

基　　金：国家自然科学基金重点项目"食品安全消费者行为与风险交流策略研究"(编号:71633005);国家自然科学基金青年项目"农村正规金融发展;金融空间演化与县域内城乡收入差距"(编号:71603306)的阶段成果

摘　　要：根据全国18家农产品批发市场1407家购销商的问卷调研数据,本文采用Heckman两阶段模型,对农产品购销商借贷发生率、借贷需求规模进行了数理分析。结论认为,采用法人组织形式、社会资本禀赋高的购销商发生借贷行为的可能性更高。经营产品需要经过储藏和初加工处理的购销商借贷规模更高,经营规模则与借贷规模呈现倒U型关系,并且,正规金融机构可提供的贷款数额大幅度高于非正规渠道。Based on a national survey data of 1407 agricultural traders in 18 Chinese wholesale markets,this paper analyzed the probability of borrowing and loan amount by agricultural traders,and used a Heckman two-stage model for the analysis. First,it is revealed that corporations and traders with affiliation to trading associations are more likely to participate in the credit market than their counterparts are. Moreover,traders sell agricultural products with processing generally need higher amount of loans; business scale has an inverted u-shaped impact on loan amount,and formal loan sources are attempt to provide higher value of loan than informal loan sources.

关 键 词：农产品购销商 借贷需求 借贷规模 企业法人 正规金融 

分 类 号：F832.4[经济管理—金融学] F323.7