农地经营权强度与农户农业贷款规模——法律、事实、感知的三维分析框架  

The Intensity of Farmland Management Rights and the Scale of Agricultural Loans:A Three-Dimensional Analysis Framework of Legal,Factual,and Perceptual Dimensions

作　　者：米运生[1] 黄景怡 薛钊杰 Mi Yunsheng;Huang Jingyi;Xue Zhaojie

机构地区：[1]华南农业大学经济管理学院,广东广州510642 [2]暨南大学产业经济研究院,广东广州510632

出　　处：《社会科学战线》2025年第2期98-109,281,共13页Social Science Front

基　　金：国家社会科学基金重大项目(19ZDA115)。

摘　　要：文章从法律、事实、感知维度,运用Tobit模型,验证农地经营权强度对农业贷款规模的影响。实证分析表明:法律、事实维度的农地经营权强度的提高能帮助农户获得更多的农业贷款,感知维度的经营权强度尚未产生显著影响。上述效应是通过促进农户的生产性支出和提升农业经营性收入而实现的,且对农业收入较高、经营规模较大、社会资本较多、西部和东北地区的农户来说,尤其显著,而与农户是否居于农地经营权抵押贷款的试点改革地区无关。文章在理论上有助于深入理解农地经营权信贷效应的来源,在实践上为如何进一步释放农地经营权的信贷效应提供参考。This paper constructs a framework for analyzing the intensity of farmland management rights from three di⁃mensions:legal,factual,and perceptual.Using the Tobit model,the study empirically examines the impact of farmland management rights intensity on the scale of agricultural loans.The analysis reveals that an increase in the intensity of farmland management rights under both the legal and factual dimensions facilitates farmers'ac⁃cess to larger agricultural loans.However,the perceived intensity of management rights has not yet shown a significant effect.This influence operates by promoting farmers'productive expenditures and enhancing their agricultural operational income.The effect is particularly pronounced for farmers with higher agricultural in⁃comes,larger operational scales,greater social capital,and those located in the western and northeastern re⁃gions.Moreover,the effect is not significantly influenced by whether farmers reside in pilot areas for land ten⁃ure mortgage loan reforms.Theoretically,this paper contributes to a deeper understanding of the sources of credit effects stemming from farmland management rights.Practically,it provides valuable insights for policymaking aimed at further unlocking the credit potential of farmland management rights.

关 键 词：农地经营权 产权强度 农业贷款 

分 类 号：F321.1[经济管理—产业经济]