村级发展互助资金对农户农业生产投资和收入的影响——基于宁夏13县37个贫困村655户农户的经验证据  

Evaluation of Economic Impact of Village Mutual Funds on Rural Households

作　　者：陈清华[1,2] 朱敏杰[3] 董晓林[3] 

机构地区：[1]南京农业大学经济管理学院,江苏南京210095 [2]宁夏大学经济管理学院,宁夏银川750021 [3]南京农业大学金融学院,江苏南京210095

出　　处：《南京农业大学学报（社会科学版）》2017年第4期138-146,共9页Journal of Nanjing Agricultural University(Social Sciences Edition)

基　　金：国家哲学社会科学基金重点项目"信息化趋势下普惠金融发展问题研究"(15AJY020);国家自然科学基金项目"六盘山连片特困地区农户发展能力评估"(71263042);宁夏哲学社会科学规划项目"宁夏村级互助资金精准扶贫效果评估"(16NXBYJ08)

摘　　要：村级发展互助资金是缩小贫困地区金融供需缺口,实现金融精准扶贫政策目标的重要举措。本文分析互助资金的运行与减贫机制,利用宁夏13个县37个贫困村655户农户的调研数据,运用PSM方法克服截面数据可能带来样本自选择的内生性问题,系统评估互助资金对农户农业生产投资和收入的影响。结果表明,互助资金利用合作金融制度优势增加了贫困村农户的信贷机会;参与互助资金会使农户农业生产投资显著增加101%,农业收入显著增加97%,人均纯收入显著增加13%。据此提出了充分发挥财政资金对金融扶贫的资金撬动和放大作用,进一步推动互助资金与当地优势特色产业结合等政策建议。Village mutual fund is an important financial initiative policy to reduce the financial gap between supply and demand and to alleviate poverty in poor areas. In this study,we employed the propensity score matching( P SM) to overcome the self-selection bias problem and the endogeneity problem.Based on the survey data of 655 households in 37 villages of 13 counties in Ningxia,we empirically evaluated the effect of mutual funds on agricultural production investment and income. The results showed that the mutual funds taking advantage of the cooperative financial system increased the poverty-stressed peasant household credit opportunities; participation in mutual funds enabled the farmers investment of agricultural production to be significantly increased by 101 %,agricultural income to be significantly increased by 97 %,and the per capita net income to be significantly increased by 13 %. Accordingly we put forward the suggestions of giving full play to the role of the financial capital in the financial capital leverage and amplification for poverty alleviation and further promoting the mutual assistance funds and local advantageous industries.

关 键 词：村级发展互助资金 农业生产投资 PSM 

分 类 号：F323.9[经济管理—产业经济]