农地经营权抵押贷款增收效应分析——基于内生转换模型的实证检验  

Analysis of Income Increase Effect of Farmland Management Rights Mortgage-Empirical Test Based on Endogenous Switching Model

作　　者：闫啸 牛荣[1] 李芸 Xiao Yan;Rong Niu;Yun Li(College of Economy and Management,Northwest A&F University)

机构地区：[1]西北农林科技大学经济管理学院

出　　处：《经济学报》2023年第2期91-114,共24页China Journal of Economics

基　　金：国家自然科学基金项目“农地经营权抵押贷款信贷约束检验与模式优化研究——基于农户分化视角”(项目编号:71603208);陕西省社会科学基金项目“基于合作金融视角的农户与新型经营主体利益联结机制研究”(项目编号:2019D030)的资助。

摘　　要：农户农地经营权抵押贷款决策是一个基于成本-收益分析的自选择过程,因此,在估测抵押贷款产生的收入效应时,必须纠正样本选择偏差导致的内生性问题。本文以农地产权抵押贷款典型试点区宁夏平罗县农户为样本,运用内生转换回归模型(ESRM)消除自选择偏误和内生性问题,考察农地经营权抵押贷款对农户总收入、农业收入和非农收入的影响。结果表明,农地经营权抵押贷款对农户总收入、农业收入和非农收入增长均有显著正向促进作用,且农地经营权抵押贷款对非农收入的促进作用大于对农业收入的促进效应。基于此,本文提出持续推进农地经营权抵押贷款的政策建议,促进农地经营权抵押贷款进一步推广落实,更好地激发农村地区开展农地抵押贷款的积极性,有效发挥农地经营权抵押贷款的增收作用,提高农户收入,实现共同富裕。Based on the data of Pingluo County,Ningxia,this paper uses the endogenous transformation regression model to solve the endogenous and selective errors caused by self-selection,and studies the effects of farmland mortgage loans on Farmers􀆳total income,agricultural income and non-agricultural income,and then calculates the corresponding processing effects.The results show that after eliminating the selective bias and endogenous problems,farmland mortgage loans have a significant positive effect on the total income,agricultural income and non-agricultural income.And the positive effect of farmland mortgage loans on the non-agricultural income of farmers is greater than the positive effect on the agricultural income.Based on the conclusions,this paper puts forward a series of policy suggestions to improve the policy mechanism of farmland mortgages,so as to play its role in promoting the income growth of farmers better.

关 键 词：农地经营权抵押贷款 自选择 农户收入 内生转换模型 

分 类 号：F832.4[经济管理—金融学] F321.1