小农户衔接现代农业有助于提升其正规信贷可获得性吗?——基于2019年欠发达地区农村普惠金融调查数据  

Will connecting to modern agriculture help improve smallholders'formal credit availability?Evidence from the rural inclusive finance survey in 2019

作　　者：陈晓洁 何广文[1] CHEN Xiaojie;HE Guangwen(College of Economics and Management,China Agricultural University,Beijing 100083,China)

机构地区：[1]中国农业大学经济管理学院,北京100083

出　　处：《中国农业大学学报》2023年第5期270-286,共17页Journal of China Agricultural University

基　　金：国家自然科学基金应急管理项目(72141003);比尔及梅琳达·盖茨基金会国际合作项目(OPP1199180);国家留学基金委“国家建设高水平大学公派研究生项目”(202206350104)。

摘　　要：为探索小农户衔接现代农业缓解其正规信贷约束的可行性,基于2019年欠发达地区农村普惠金融调查数据,对小农户衔接现代农业的方式进行识别与分类,从是否衔接、不同衔接方式、衔接广度3个维度分析小农户衔接现代农业对其正规信贷可获得性的直接影响,并考察增收机制和增信机制的间接作用以及小农户资源禀赋的异质性。结果表明:小农户衔接现代农业有助于提升其正规信贷可获得性;不同衔接方式对正规信贷可获得性产生差异化影响,其中龙头企业带动型衔接方式的促进作用最强;衔接广度的增加对小农户正规信贷可获得性的提升具有促进作用;增收机制和增信机制是衔接现代农业行为缓解小农户正规信贷约束的重要渠道;劳动力资源充足、农业经营能力较强和位于西部地区的小农户通过衔接现代农业的方式提升其正规信贷可获得性的作用更明显。In order to explore whether smallholders'connection to modern agriculture can alleviate their constraints of formal credit,based on the data of rural inclusive finance survey in underdeveloped areas in 2019,this study identified and classified the ways smallholders connect to modern agriculture,analyzed the direct impact of smallholders'connection to modern agriculture on the availability of formal credit from three dimensions including whether they are connected,different connection methods,and the breadth of connection.The indirect effects of income-increasing mechanism and credit-enhancing mechanism and the heterogeneity of smallholders'resource endowments were investigated.The results showed that:Firstly,smallholders'connection to modern agriculture was beneficial to improve their formal credit availability.Secondly,the impact of different connection methods on formal credit availability presented different effects.Among them,the promotion effect of cooperation with leading enterprises was the strongest.Thirdly,the increase in the breadth of connection was conducive to improving the availability of formal credit for smallholders;Fourthly,the income-increasing mechanism and credit-enhancing mechanism were important channels for connecting modern agriculture to ease the constraints of formal credit for smallholders;Lastly,the smallholders with larger scale of labor force,stronger agricultural management ability and located in the western region obtained more obvious improvement in the availability of formal credit by connecting to modern agriculture.

关 键 词：小农户 衔接现代农业 正规信贷可获得性 增收机制 增信机制 

分 类 号：F832.4[经济管理—金融学]