正规信贷约束对农户福祉损失影响实证研究-现代农业科技.pdf

现代农业科技 圆园19 年第12 期 农村经济学 正规信贷约束对农户福祉损失影响实证研究 李玥 曹慧敏 杨文瑾 沈祺琪 董庆多 杜君楠* 西北农林科技大学经济管理学院袁陕西杨凌 712100 冤 摘要 文以正规信贷约束的内涵和识别机制为基础 对不同类别的信贷约束测度进行了分析 运用Tobit 和多元线性回归模型分别 实证研究了正规信贷约束对农户主客观福祉损失的影响遥研究结果表明 需求约束强度每减少0.01 收入尧消费和资产分别增加0.41% 尧 1.29%和0.78% 曰供给约束强度每减少0.01 三者分别增加0.73% 尧0.24%和0.60% 正规信贷约束的产生限制农户的生产投入资金规模或创 业行为 导致农民增收困难 进而显著降低农户主观福祉遥受 者年龄尧健康状况尧职业尧人均纯收入尧固定资产原值以及与周围人信任程度 对主观福祉皆有显著正向影响曰受教育程度尧职业尧劳动力占比和经营土地面积对客观福祉皆有显著正向影响遥 关键词 需求型约束曰供给型约束曰正规信贷约束强度曰福祉损失曰Tobit 模型 中图分类号 F832.43 曰F323.8 文献标识码 A 文章编号 1007-5739渊2019冤12-0259-04 Empirical Study on Impact of Formal Credit Constraints on Farmers Welfare Loss LI Yue CAO Hui-min YANG Wen-jin SHEN Qi-qi DONG Qing-duo DU Jun-nan * 渊School of Economics and Management Northwest Agriculture and Forestry University Yangling Shaanxi 7 12100冤 Abstract Based on the connotation and recognition mechanism of formal credit constraints this paper analyzed the measurement of different types of credit constraints and used Tobit and multiple linear regression models to empirically study the impact of formal credit constraints on subjective and objective welfare loss of farmers.The results showed that for every 0.01 reduction in the intensity of demand constraint the income consumption and assets increased by 0.41% 1.29% and 0.78% respectively.For every 0.0 1 reduction in the intensity of supply constraint the three increased by 0.73% 0.24% and 0.60% respectively.The generation of formal credit constraint limits the scale of production investment or entrepreneurial behavior of farmers resulting in the difficulty of increasing farmers income and thus significantly reducing the subjective welfare of farmers.Age health status occupation net income original va