金融素养对农地流转的影响及作用路径研究——基于CHFS数据  

Study on the Impact and Path of Financial Literacy on Farmland Transfer:Based on CHFS Data

作　　者：朱建军[1] 张蕾[2] 安康[1] ZHU Jianjun;ZHANG Lei;AN Kang

机构地区：[1]山东农业大学经济管理学院,山东泰安271018 [2]内蒙古师范大学经济学院,内蒙古呼和浩特010022

出　　处：《南京农业大学学报（社会科学版）》2020年第2期103-115,共13页Journal of Nanjing Agricultural University(Social Sciences Edition)

基　　金：教育部人文社会科学研究青年基金项目“农地确权、农民产权认知与劳动力转移代际差异研究”(17YJC790213);山东省自然科学基金项目“农地确权对农地流向家庭农场的影响研究:基于供求意愿视角”(ZR2016GQ10)。

摘　　要：金融素养是影响行为主体资产配置的重要因素,反映了人们在使用和管理资源时运用知识和技能做出有效决策的能力。农地是农户的重要资产,农地流转是农户的资产配置行为,金融素养的提升能否促进农地流转,对此做出回答有利于推进农业规模化经营。基于此,在对金融素养影响农地流转的机理进行理论分析的基础上,利用2015年中国家庭金融调查(CHFS)数据,实证分析了农户金融素养对农地流转的影响。研究发现,农村居民的金融素养水平较低,金融素养对农户农地转出或转入及流转规模具有显著的正向影响。考虑到金融素养可能存在的内生性,进一步选取工具变量进行Ⅳ-probit和Ⅳ-tobit模型估计,结果显示金融素养对农地流转的正向影响是稳健的。在金融素养对农地流转的作用路径上,采用中介效应模型实证分析发现,金融素养通过推动农户非农创业和提升农户风险偏好来促进其转出农地并增加转出面积,而社会养老保险参与率在金融素养和农地转出间的中介效应不显著;金融素养通过增强农户农业正规和非正规信贷获得来促进其转入农地并增加转入面积,而风险态度在金融素养和农地转入间的中介效应不显著。Financial literacy is an important factor that affects the asset allocation of behavior subjects,and it reflects people s ability to make effective decisions with knowledge and skills when using and managing resources.Farmland is important asset of farmers,and the farmland transfer is the behavior of asset allocation of farmers.Whether the improvement of financial literacy can promote the farmland transfer,this answer is in favor of promoting the large-scale operation of agriculture.Based on this and the theoretical analysis of the mechanism of financial literacy affecting farmland transfer,this paper empirically analyzed the impact of farmers financial literacy on farmland transfer by using the data of China Household Financial Survey in 2015.The study found that farmers financial literacy level was low,and financial literacy had a significant positive impact on farmers farmland transfer.Considering the endogeneity of financial literacy,the instrumental variable method was further used to estimate the impact of financial literacy,and the results showed that the positive impact of financial literacy on farmland transfer was robust.On the impact path of financial literacy on farmland transfer,empirical analysis using mediation effect model showed that financial literacy promoted farmers to rent out farmland by promoting non-agricultural entrepreneurship and enhancing farmers risk preference,and to rent in farmland by enhancing farmers access to formal and informal credit.

关 键 词：金融素养 农地流转 作用路径 

分 类 号：F301[经济管理—产业经济] F832