正规信贷约束对农户粮食生产的影响分析  

The Effect of Formal Credit Constraint on Grain Production

作　　者：王晶 毕盛 李芸[1] 吕开宇[1] WANG Jing;BI Sheng;LI Yun;LYU Kaiyu

机构地区：[1]中国农业科学院农业经济与发展研究所

出　　处：《农业技术经济》2018年第5期28-39,共12页Journal of Agrotechnical Economics

基　　金：国家自然科学基金项目“土地流转背景下农地经营投资行为与耕地质量提升研究”(编号:71573262)、“气候变化条件下农户投保行为与风险管理研究”(编号:71373264);中国农业科学院科技创新工程项目(编号:ASTIP-IAED-2018-03)

摘　　要：金融支持对稳定农业生产、保障国家粮食安全意义重大。本文利用2015年四省粮食种植调查数据,采用内生转换回归模型,分析了现阶段农村地区粮食种植户受正规信贷约束的状况以及正规信贷约束对农户粮食生产的影响。结果表明,目前农村地区受正规信贷约束的农户比例约为30%,且以需求型信贷约束为主;尽管供给型信贷约束并非是制约农户贷款的主要类型,但两种信贷约束类型均会对农户粮食产出产生抑制效应;与需求型信贷约束相比,农户因受供给型信贷约束产生的生产损失更为严重;进一步地,如果农户的信贷需求能得到充分满足,粮食产出预计将提升14.6%。Financial and credit supports play an important role in ensuring production stability and national food security. In this paper,we studied the impact of formal credit accessibility on grain production,using data from a survey conducted in four-province in 2015.The main results showed that from demand side approximately 30% of the farmers faced challenges in access to formal credit.Moreover,both supply-and demand-side credit constraints have negative impacts on farmers＇ grain production,although supply-side constrains are limited.The production loss farmers faced due to supply-side credit constraint was higher than that from demand-side.Grain production would expect a 14.6% growth if farmers＇ credit needs can be satisfied.

关 键 词：正规信贷 信贷约束 粮食生产 

分 类 号：F832.43[经济管理—金融学]