信贷约束与农户收入——基于CHIP数据的实证研究  

Credit Constraints and Farmers’ Income: An Empirical Research Based on CHIP Data

作　　者：夏会珍 王亚柯 刘东亚 XIA Hui-zhen;WANG Ya-ke;LIU Dong-ya

机构地区：[1]河南师范大学商学院,新乡453007 [2]对外经济贸易大学金融学院,北京100029 [3]对外经济贸易大学保险学院

出　　处：《吉林大学社会科学学报》2023年第6期120-134,233,共16页Jilin University Journal Social Sciences Edition

基　　金：国家社会科学基金一般项目(23BJY153);河南省哲学社会科学规划年度项目(2022CJJ151)。

摘　　要：增加农民收入是“三农”工作的中心任务,也是促进农民农村共同富裕的关键。利用2018年中国家庭收入调查(CHIP)数据,在对信贷约束的不同类型、不同渠道及不同强度进行多维度界定的基础上,考察信贷约束对农户收入的影响具有重要的现实意义。研究发现:总体上,信贷约束对农户收入具有显著的负向影响。与供给型信贷约束相比,需求型信贷约束对农户收入的负向影响更大;当农户面临机构和私人双重信贷约束或者遭受信贷约束强度越高时,对收入的抑制作用越大。影响机制分析表明,信贷约束主要通过制约农业生产经营与非农生产经营,进而抑制农户收入。异质性分析表明,信贷约束对高收入、高人力资本和非农经营为主农户收入的负向影响更大。研究结论对缓解农户信贷约束、提高农户收入具有重要的理论价值和政策含义。Increasing farmers’income is the central task of the“three rural work”and the key to promoting com⁃mon prosperity among farmers and rural areas.Based on the 2018 China Household Income Survey(CHIP)data,this paper analyzes the impact of credit constraints on household income by multidimensional definitions of different types,channels,and intensities of credit constraints.Research has found that:1)Overall,credit constraints have a significant negative impact on farmers’income.2)Compared with credit supply constraints,credit demand constraints have a greater negative impact on farmers’income;when farmers face dual credit constraints from institutions and individuals,or the higher the degree of credit constraints,the greater the inhibitory effect on their household income.3)Mechanism analysis shows that credit constraints mainly constrain agricultural production and non agricultural activities,thereby sup⁃pressing the income of farmers.4)Heterogeneity analysis shows that credit constraints have a greater negative impact on the high income,high human capital,and non agricultural farmers.The research conclusion has important theoretical and policy implications for alleviating credit constraints on farmers and increasing their income.

关 键 词：信贷约束 供给型信贷约束 需求型信贷约束 农户收入 

分 类 号：F832.43[经济管理—金融学] F323.8