收入结构、投资驱动与农户借贷规模  

Income Structure,Investment Drive and Rural Households’ Borrowing Scale

作　　者：王磊玲[1,2] 杨睿 

机构地区：[1]郑州大学商学院,河南郑州450001 [2]郑州大学尤努斯社会企业中心,河南郑州450001

出　　处：《金融发展研究》2020年第1期80-87,共8页Journal Of Financial Development Research

基　　金：国家自然科学基金“农地经营权抵押试点下金融机构决策行为及信贷合约设计优化研究”（71703155）;教育部人文社科青年项目“不同信贷合约对农户信贷约束缓解的效果检验与比较研究”（17YJC790150）;河南省哲学社会科学规划项目“金融机构对宅基地抵押的相应机理与实施机制优化研究”（2019JJ056）

摘　　要：基于河南郑州、濮阳和南阳等地区农户实地调研数据,运用Tobit模型对影响农户借贷规模的因素进行了实证分析,并对不同投资倾向的农户进行了差异性研究。研究发现:河南省农户借贷规模偏小,家庭土地资产、投资意愿对农户借贷规模具有显著的正向影响,符合理论预期;农业收入占比对农户借贷规模呈现负向影响,原因与农业比较收益偏低、农户自身投资意向及金融机构借贷意愿不强烈密切相关。分样本研究结果显示,借贷用途、农户收入占比对进取型农户与保守型农户的影响存在明显差异,进取型农户能获得较高规模的生产性和生活性借贷,而保守型农户仅能获得较高借贷规模的生产性借贷。基于此,从分类引导农户、激发农户内在动力、增强自我投资意识、加快农村地区多层次金融服务体系建设等角度提出助推传统农区产业升级、顺利推进乡村振兴战略的对策建议。Based on the field survey data of rural households in Zhengzhou City,Puyang City and Nanyang City of Henan Province,the research empirically analyzes the factors that influence the borrowing scale of rural households by using Tobit Model.It also carries out different research on the farmers with various investment tendencies.The result shows that the borrowing scale of the rural households of Henan is comparatively small.And family land assets,invest-ment willingness have a positive influence on the rural households'borrowing scale,which is in line with the theoreti-cal expectation;while the proportion of agriculture income has a negative effect on rural households'borrowing scale,which closely connects with the comparatively low agriculture income,thus,the financial institutions aren't willing to lend.As difference study indicates,the effects of borrowing scale and the proportion of agriculture income have signifi-cant difference between progressive rural households and conservative rural ones.The former can acquire both produc-tivity and livelihood borrowing with pretty superior scale,while the latter one can just gain the productivity borrowing with the same scale.Based on the research above,this paper proposes countermeasures and suggestions which help to the upgrade of the traditional agricultural industries and smoothly promote the rural revitalization strategy from perspec-tives,such as guide the farmers in terms of various classifications,stimulating the interior drive of the householders themselves,boosting the construction of multi-layer financial service system in the rural areas.

关 键 词：借贷规模 TOBIT模型 收入结构 投资驱动 

分 类 号：F832.5[经济管理—金融学]