感知价值和政府干预能提高农户农业信用担保贷款满意度吗?  

Can Perceived Value and Government Intervention Improve Farmers'Satisfaction with Agricultural Credit Guaranteed Loans?

作　　者：罗剑朝[1,2] 郭显 胡杰 LUO Jianchao;GUO Xian;HU Jie(School of Economics and Management,Northwest Agricultural and Forestry University,Yangling 712100,Shaanxi,China;Shaanxi Rural Finance Research Center,Yangling 712100,Shaanxi,China)

机构地区：[1]西北农林科技大学经济管理学院,陕西杨凌712100 [2]陕西省农村金融研究中心,陕西杨凌712100

出　　处：《农业经济与管理》2022年第4期81-90,共10页Agricultural Economics and Management

基　　金：国家自然科学基金面上项目(71873100)。

摘　　要：以陕、宁两地2648份农户微观数据为例,采用Oprobit模型研究感知价值和政府干预及交互项对农户农业信用担保贷款满意度的影响,并进一步揭示影响的代际差异。结果表明,感知价值和政府干预对农户农业信用担保贷款满意度具有显著正向影响;感知价值和政府干预对农户农业信用担保贷款满意度的影响存在交互效应;代际差异表明感知价值和政府干预对老一代农户的影响更强。因此,政府应细化财政支农资金的投入方向和重视代际差异以提高农户农业信用担保贷款满意度。Taking 2648 micro data of farmers in Shaanxi and Ningxia as an example,Oprobit model was used to study the impact of perceived value,government intervention and interaction on farmers'agricultural credit guarantee loan satisfaction,and the inter-generational differences of the impact were further revealed.The results showed that:perceived value and government intervention had a significant positive impact on farmers'satisfaction with agricultural credit guaranteed loans.Perceived value and government intervention had interactive effects on farmers'satisfaction with agricultural credit guaranteed loans.Inter-generational differences showed that perceived value and government intervention had a stronger impact on the older generation of farmers.Therefore,it was proposed that the government should refine the investment direction of financial support for agriculture and pay attention to inter-generational differences in order to improve farmers'satisfaction with agricultural credit guarantee loans.

关 键 词：农业信用担保贷款满意度 政府干预 感知价值 交互效应 代际差异 

分 类 号：F323.9[经济管理—产业经济]