不同规模农户信贷约束类型及其影响因素实证分析——基于720个农户微观调查数据  

An Empirical Analysis of the Types and Influencing Factors of Credit Constraints of Different Sizes’Rural Households—An Investigation Based on Micro Survey Data of 720 Farmers

作　　者：梁杰[1] 高强[1] LIANG Jie;GAO Qiang

机构地区：[1]中国海洋大学管理学院

出　　处：《暨南学报（哲学社会科学版）》2020年第6期108-120,共13页Jinan Journal(Philosophy and Social Sciences)

基　　金：国家自然科学基金项目“农户分化背景下需求导向型农技推广机制研究”(批准号:71273248);教育部人文社会科学研究项目“新时代绿色金融创新影响农村生态文明建设的内在机理、效应测度与政策仿真研究”(批准号:19YJCZH150);山东省社会科学规划研究项目“新旧动能转换背景下绿色金融发展的现实障碍与破解路径研究”(批准号:18CJJJ16)。

摘　　要：基于山东省平度市720名农户的调研,运用Probit二元选择模型分析不同规模农户信贷约束的异质性及其影响因素。研究结果发现:不同规模农户信贷约束类型及其影响因素呈现差异化特征。具体地,兼业经营使得小规模农户缺乏融资需求,需求型和供给型信贷约束均得到较大程度缓解。种植大户具有较强农业融资需求,但无力承受因较大农地规模带来的较高生产经营风险,易遭受较严重的需求型信贷约束;缺乏合适抵押物和担保人等因素又使其面临较为严重的供给型信贷约束。家庭农场较大农地规模和多样化生产布局使其预期产出收益远高于贷款成本线,具有较强融资动机,面临的需求型信贷约束较微弱;但家庭农场缺乏合适抵押物和担保人,易遭受来自金融机构的供给型信贷约束。为有效破解农村融资困境,应针对不同规模农户制定精准解决方案,提高农业资金供求的匹配程度。Based on the survey responded by 720 farmers as subjects in Pingdu City,Shandong Province,this study aims to analyze the heterogeneity of credit restrictions of farmers of different scales and their causes through working with the Probit binary selection model.The research results found that the types of credit constraints and their influencing factors showed differential characteristics.In particular,the concurrent operation makes small-scale concurrent enterprises lack financing demand,and both demand-type and supply-type credit constraints are alleviated to a large extent.In addition,large-scale planters with strong agricultural financing needs cannot afford the higher production and operational risks associated with larger farmland sizes and are vulnerable to more severe demand-based credit constraints;the lack of suitable collateral and guarantors in turn exposes them to more severe supply-based credit constraints.As the large farmland size and diversified production layout of family farms make their expected output and income far higher than the loan cost line,planters have strong financing motivation and face weak demand-type credit constraints;but family farms that lack suitable collateral and guarantor are vulnerable to supply-based credit constraints from financial institutions.Therefore,in order to effectively crack the rural financing dilemma,precise solutions should be developed for farmers of different sizes to improve the matching of supply and demand for agricultural funds.

关 键 词：需求型信贷约束 供给型信贷约束 PROBIT模型 不同规模农户 

分 类 号：F304.1[经济管理—产业经济]