农地经营权强度能缓解新型农业经营主体供给型信贷配给吗?——基于fsQCA方法的路径分析  

Can the Intensity of Farmland Management Right Alleviate the Supply‑Type Credit Rationing for New Agricultural Operators?A Path Analysis Based on fsQCA

作　　者：王家兴 米运生[1] 徐俊丽 WANG Jia-xing;MI Yun-sheng;XU Jun-li(College of Economics and Managements,South China Agricultural University,Guangzhou 510642,China;Business College,Jiangxi Normal University,Nanchang,330022)

机构地区：[1]华南农业大学经济管理学院,广东广州510642 [2]江西师范大学商学院,江西南昌330022

出　　处：《财经问题研究》2024年第9期103-118,共16页Research On Financial and Economic Issues

基　　金：国家社会科学基金重大项目“乡村振兴与深化农村土地制度改革”(19ZDA115);国家社会科学基金年度项目“农民工返乡创业助推乡村振兴的有效模式与路径优化研究”(20BJY141)。

摘　　要：新型农业经营主体虽然有着强烈的机构贷款需求,但因缺乏有效抵押品,正规金融机构普遍对其施加严格的供给型信贷配给。“三权分置”从法律层面激活农地经营权,是破解供给型信贷配给难题的重要契机。本文从法律维度、事实维度、感知维度对农地经营权强度展开维度化分析,厘清其影响新型农业经营主体供给型信贷配给的作用机理与具体路径,并使用组态视角的模糊集定性比较分析(fsQCA)方法进行实证检验。研究发现,新型农业经营主体的供给型信贷配给,既能由法律维度、事实维度和感知维度的农地经营权同时具有较高强度而得以缓解,也能仅凭法律维度或事实维度的农地经营权具有较高强度得以缓解,但感知维度的农地经营权具有较高强度尚不足以单独发挥缓解之效。为进一步释放农地经营权改革的信贷效应,既要完善农地经营权的法律赋权与保障转入农地的实际权利,也要强化主体对农地经营权的安全感知。本文既从理论上深化了对农地经营权强度的理解,揭示了法律赋权、事实拥有、先验认知等不同层面的产权排他性、稳定性和安全性的内涵,也在实践上拓宽了破解供给型信贷配给难题的现实途径。Although new agricultural operators have a strong demand for institutional loans,they generally suffer from supply‑type credit rationing from formal financial institutions due to the lack of effective collateral.The“separating rural land ownership rights,contract rights,and management rights(three rights separation)”is an important opportunity to crack the problem of supply‑type credit rationing by revitalizing the right to operate agricultural land at the legal level.This paper analyzes the intensity of farmland management right at the legal,factual,and perceptual levels to clarify the mechanism and specific path of its influence on the supply‑type credit rationing of new agricultural operators,and uses the fuzzy set qualitative comparative analysis(fsQCA)to carry out empirical tests.The study finds that the legal,factual,and perceptual dimensions of the farmland management right have a high intensity,which can alleviate the supply‑type credit rationing of the new agricultural operators.The high intensity of the farmland management right in the legal dimension is the core condition to alleviate the supply‑type credit rationing of the new agricultural operators.Regardless of the existence or non‑existence of the farmland management right in the factual and perceptual dimensions,the farmland management right in the legal dimension is sufficient to alleviate the supply‑type credit rationing of new agricultural operators;the factual dimension of the farmland management right has high intensity,which is also the core condition for alleviating the supply‑type credit rationing of new agricultural operators.When the legal and perceptual dimensions are missing,the reinforcement of the farmland management right in the factual dimension plays a significant role in alleviating the supply‑type credit rationing of new agricultural operators.In the absence of the reinforcement of the farmland management right in the legal and factual dimensions,only the reinforcement of the farmland management right in th

关 键 词：农地经营权 产权强度 供给型信贷配给 新型农业经营主体 fsQCA 

分 类 号：F301.1[经济管理—产业经济]