数字普惠金融对农户土地出租行为的影响效应研究  

The Impact of Digital Inclusive Finance on the Land Leasing Behavior of Farmers

作　　者：冉光和[1] 黄正国 RAN Guang-he;HUANG Zheng-guo(School of Economics and Business Administration,Chongqing University,Chongqing 400044)

机构地区：[1]重庆大学经济与工商管理学院,重庆400044

出　　处：《安徽农业科学》2024年第22期215-225,共11页Journal of Anhui Agricultural Sciences

基　　金：国家社会科学基金重点项目(21AJY006)。

摘　　要：数字普惠金融怎样影响农户土地出租行为值得深入探索。利用中国家庭追踪调查数据构建多时点DID模型对农户出租土地行为产生的经济效益和数字普惠金融对农户家庭的经济效益进行分析,同时构建Probit模型评估数字普惠金融对农户土地出租行为的影响。结果表明,数字普惠金融在促进农户土地出租和提高工资性收入方面发挥了积极作用,但与之伴随的是经营性收入的抑制。同时,研究还发现出租土地的农户相对于不出租土地的家庭,工资性收入较高,但出租土地会抑制其经营性收入。上述效应在不同地区存在差异,且劳动力禀赋较高的家庭会获得更高工资性收入和经营性收入。由此得出,数字普惠金融和土地出租对农村家庭的经济状况产生了复杂的影响。数字普惠金融可以作为一种工具,促进农业土地的流转,实现土地资源的高效利用。在推动数字普惠金融的同时,也需要考虑如何平衡农户的工资性收入和经营性收入。因此,政策制定应当因地制宜,最大程度地促进农村经济的可持续增长,并提高农户的整体福祉。The impact of digital inclusive finance on the land leasing behavior of farmers is worth exploring in depth.This study uses data from the China Family Panel Studies to construct a multi-time point DID model to analyze the economic benefits generated by farmers’land leasing behavior and the impact of digital inclusive finance on the economic benefits of farming households.At the same time,a probit model is constructed to assess the influence of digital inclusive finance on farmers’land leasing behavior.The results show that digital inclusive finance plays a positive role in promoting land leasing by farmers and increasing wage income,but it is accompanied by a suppression of operational income.The study also finds that households that lease land,compared to those that do not,have higher wage income,but leasing land suppresses their operational income.These effects vary by region,and households with higher labor endowments obtain higher wage and operational incomes.This study indicates that digital inclusive finance and land leasing have complex impacts on the economic conditions of rural families.Digital inclusive finance can serve as a tool to promote the circulation of agricultural land and achieve efficient utilization of land resources.While promoting digital inclusive finance,it is also necessary to consider how to balance the wage income and operational income of farmers.Therefore,policy-making should be tailored to local conditions to maximize the sustainable growth of the rural economy and improve the overall welfare of farmers.

关 键 词：数字普惠金融 土地流转 农村经济 

分 类 号：S-9[农业科学] F321.1[经济管理—产业经济] F323.8