乡村振兴战略下的新疆农户正规信贷影响研究  

Research on the Impact of Formal Credit of Farmers in Xinjiang under the Strategy of Rural Revitalization

作　　者：李金 LI Jin(Urumqi Bank,Urumqi 650104,China)

机构地区：[1]乌鲁木齐银行,乌鲁木齐650104

出　　处：《经济研究导刊》2021年第17期116-118,123,共4页Economic Research Guide

基　　金：国家自然科学基金项目“连片特困少数民族农户贫困代际传递程度及传递机制研究——以新疆为例”(71763027);新疆维吾尔自治区社科基金“乡村旅游业发展对南疆地区农村劳动力就近就业影响研究”(18BJY038)。

摘　　要：基于农户贷款配给行为因素及传导机制,以2009—2018年新疆农户正规信贷的供给、需求影响数据样本,运用多元线性回归模型实证研究新疆农户正规贷款影响。研究发现,增加可支配收入催生信贷需求,增加有效服务覆盖面提高农户信贷可获得性;城镇化、利息负担弱化了农户信贷发展,财政支持政策直接影响了农户信贷可持续,使农户信贷市场化发展受到干扰。指出,应做好从供给侧角度的合理定价、服务渠道优化、调整内部考核激励机制,从需求侧角度的推行产业化、规模化、集约化经营,稳定应做好农民收入来源、盘活农民资产、加大信贷宣传、搭建金融支持产业扶贫对接平台,从中间侧角度的加大差异化监管、多方防范农户信贷风险、改善农村信用环境、加强农村产权制度改革金融服务,并分别提出建议。Based on the factors and transmission mechanism of farmers'loan rationing behavior,this paper uses multiple linear regression model to empirically study the impact of farmers'formal credit in Xinjiang by using the data samples of the supply and demand of farmers'formal credit in 2009-2018.The results show that increasing the disposable income promotes the demand for credit,increases the coverage of effective services,and improves the availability of farmers'credit;Urbanization and interest burden weaken the development of farmers'credit,and financial support policies directly affect the sustainable development of farmers'credit,which interferes with the development of farmers'credit marketization.It is pointed out that reasonable pricing,service channel optimization and internal evaluation and incentive mechanism should be done well from the perspective of supply side,industrialization,large-scale and intensive operation should be carried out from the perspective of demand side,income source of farmers should be stabilized,assets of farmers should be revitalized,credit publicity should be increased,docking platform of financial support industry poverty alleviation should be built,and differentiated supervision should be increased from the perspective of middle side In order to prevent the credit risk of farmers,improve the rural credit environment,strengthen the financial services of rural property rights system reform,and put forward suggestions respectively.

关 键 词：新疆农户 正规信贷 乡村振兴 

分 类 号：F832.35[经济管理—金融学] F327.8