土地经营规模与中国农村家庭借贷——基于CHFS数据的实证研究  

Land Management Scale and China’s Rural Household Credit ——Evidence from CHFS Data

作　　者：杨阳[1] 蒋佳伶 冯瑞河[1] 尹志超[1] YANG Yang;JIANG Jialing;FENG Ruihe;YIN Zhichao(Capital University of Economics and Business,Beijing 100070)

机构地区：[1]首都经济贸易大学金融学院

出　　处：《经济与管理研究》2019年第6期34-55,共22页Research on Economics and Management

基　　金：国家自然科学基金面上项目“流动性约束与中国家庭金融行为”(71373213);国家社会科学基金重点项目“互联网消费金融的发展风险与监管”(16AZ014);北京市社会科学基金重大项目“金融普惠与京津冀协同发展研究”(15ZDA45)

摘　　要：本文针对2013年中国家庭金融调查(CHFS)数据,研究中国农业土地经营规模对家庭借贷的影响。研究发现,农业土地经营规模越大,家庭获得生产经营正规借贷的概率越大,正规借贷金额也越多。考虑了租入农业土地而导致的内生性后,自有农业土地经营规模对家庭进行生产经营正规借贷行为及金额的影响仍然显著为正。此外,农业土地经营规模对家庭生产经营民间借入的影响也显著为正。本文用上下1%缩尾和分地区子样本回归,结论依然成立。本文的研究结果揭示了土地规模经营对家庭借贷的正向影响,可为相关政策的制定提供依据。Based on tha data of China Household Finance Survey in 2013,this paper investigates the impact of the agricultural land scale on household credit.The study shows that the larger the scale of agricultural land,the greater the probability of the family getting the formal lending,and the more the amount of formal borrowing.Considering the endogeneity caused by the leasing of agricultural land,the impact of the self-agricultural land scale on the formal household lending is still significant.Further,this paper indicates that the impact of the agricultural land scale on the informal household borrowing is also positive.The paper uses the upper and lower 1% tailings and the East,Middle,and West subsamples to regress,and the conclusion is still valid.The results of this paper reveal the positive impact of land scale on household credit,which can provide the reference for the formulation of relevant policies.

关 键 词：农业土地经营规模 自有农业土地经营规模 正规借贷 民间借入 家庭借贷 

分 类 号：F321.1[经济管理—产业经济] F830.1