非认知能力与山区农户信贷排斥——以浙江省公益林收益权质押贷款为例  

Non-cognitive Abilities and Credit Exclusion among Mountain Farmers:Example of Pledged Loans for Public Benefit Forest RevenueRights in Zhejiang Province

作　　者：石道金[1,2] 王晓丽 潘江灵 SHI Daojin;WANG Xiaoli;PAN Jiangling(College of Economics and Management,Zhejiang Agriculture and Forestry University,Hangzhou 311300,China;Zhejiang Rural Revitalization Institute,Zhejiang Agriculture and Forestry University,Hangzhou 311300,China;Zhejiang Forestry Fund Management Center,Hangzhou 310020,China)

机构地区：[1]浙江农林大学经济管理学院,浙江杭州311300 [2]浙江农林大学浙江省乡村振兴研究院,浙江杭州311300 [3]浙江省林业资金管理中心,浙江杭州310020

出　　处：《商业经济与管理》2024年第11期91-104,共14页Journal of Business Economics

基　　金：浙江省高校重大人文社会科学攻关计划项目“公益林补偿收益权定价机制及质押贷款需求行为研究”(2018GH034)。

摘　　要：信贷排斥是农村金融供需中普遍存在的现象,降低信贷排斥对促进农村金融发展具有重要意义。基于浙江省12个县(市)农户实地调查数据,运用大五人格量表构建非认知能力指标,并采用Probit模型实证检验了非认知能力对农户公益林收益权质押信贷排斥影响及其作用机制。研究结果显示,非认知能力越高,越能降低农户信贷排斥程度,经一系列内生性处理与稳健性检验后该结论仍然成立;进一步研究发现,非认知能力越高,越能降低农户信贷排斥中的自我排斥程度;机制检验发现,农户非认知能力提升通过增加社会资本和增强风险偏好进而降低信贷排斥。研究结论为推动农村金融高质量发展提供了理论和实践指导,同时为实现乡村振兴和山区农户共同富裕提供了政策启示。Credit exclusion is a common phenomenon in the supply and demand of rural finance,and it is of great significance to reduce credit exclusion to promote rural financial development.Based on the field survey data of farm households in 12 counties(cities)of Zhejiang Province,we constructed non-cognitive ability indexes by using the Big Five personality scale,and empirically examined the impact of non-cognitive ability on the credit exclusion of farmers'public benefit forest revenue right pledge and its functioning mechanism by using the Probit model.The results of the study show that the higher the non-cognitive ability,the more it can reduce the degree of credit exclusion of farmers,and the conclusion still holds after a series of endogeneity treatment and robustness test.Further research finds that the higher the non-cognitive ability,the more it can reduce the degree of self-exclusion in the credit exclusion of farmers.The mechanism test finds that the improvement of the non-cognitive ability of the farmers reduces the credit exclusion through the increase of the social capital and the enhancement of the risk preference.The findings of the study provide theoretical and practical guidance for promoting the high-quality development of rural finance,and also provide policy insights for realizing rural revitalization and the common prosperity of mountain farmers.

关 键 词：非认知能力 信贷排斥 公益林质押贷款 山区农户 

分 类 号：F326.23[经济管理—产业经济]