自信会影响农户的借贷行为吗——基于两个整村农户的经验证据  

Does Confidence Affect Farmers’ Lending Behavior——An Empirical Study on Two Villages

作　　者：尤亮 申洲尧 霍学喜[2] YOU Liang;SHEN Zhou-yao;HUO Xue-xi(School of International Trade,Shanxi University of Finance and Economics,Taiyuan 030006;College of Economics and Management,Northwest A&F University,Yangling 712100,China)

机构地区：[1]山西财经大学国际贸易学院,山西太原030006 [2]西北农林科技大学经济管理学院,陕西杨凌712100

出　　处：《山西财经大学学报》2022年第5期42-56,共15页Journal of Shanxi University of Finance and Economics

基　　金：国家自然科学基金青年项目(71903117);山西省研究生创新项目(2021Y526)。

摘　　要：本文以陕西富县两个整村的610户调查数据为基础,运用多元Logit模型探讨家庭决策者的经济自我效能感对农户借贷行为的影响。研究发现,与未发生借贷行为的农户相比,家庭决策者的经济自我效能感越高,越不倾向于借贷农业生产性投资。机制分析结果表明,经济自我效能感会通过影响家庭决策者的经济压力、自尊心,进而影响农户借贷农业生产性投资的发生比。异质性分析结果表明:随着经济自我效能感的提升,与未发生借贷行为相比,中青年家庭决策者越不倾向于借贷农业生产性投资,而中老年家庭决策者更倾向于借贷消费性支出;家庭资产少的家庭决策者越不倾向于借贷非农生产性投资;家庭资产多、风险偏好高的家庭决策者更倾向于借贷非农生产性投资。Based on the survey data of 610 households in two villages in Shaanxi Province, this paper used the multinomial Logit model to explore the impact of household decision makers’ financial self-efficacy on farmers’ lending behavior. The study found that,compared with the farmers who have not lent, household decision makers with higher financial self-efficacy were less inclined to lend for agricultural productive investment. The mechanism test showed that financial self-efficacy has affected the economic pressure and self-esteem of family decision makers, and then exerted an influence on the incidence of agricultural productive investment by farmers lending money. Heterogeneity analysis revealed that, along with the improvement of financial self-efficacy, compared with the farmers who have not lent, middle-aged and young family decision makers were less inclined to lend for agricultural productive investment,while middle-aged and elderly family decision makers tended to lend for spending. Besides, the household decision makers with less household assets were not tended to lend for non-agricultural productive investments, while the household decision makers with more household assets or higher risk appetite may prefer to lend for non-agricultural productive investments.

关 键 词：经济自我效能感 农户借贷 生产性投资 整村农户 多元LOGIT模型 

分 类 号：F328[经济管理—产业经济]