基于农户增收视角的融资渠道绩效比较研究

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英文篇名：Comparative Research on Performance of Financing Channels From Perspective of Farmers' Income 作者：王磊玲 ; 张云燕 ; 罗剑朝 英文作者：WANG Lei-ling;ZHANG Yun-yan;LUO Jian-chao;School of Business,Zhengzhou University;Xi'an Shiyou University;College of Economics and Management,Northwest A&F University; 关键词：二元信贷 ; 借贷抵押 ; 独立混合截面数据模型 ; 抵押担保 英文关键词：binary credit;;credit mortgage;;independent pooled cross section;;mortgage guarantee 中文刊名：NLXS 英文刊名：Journal of Northwest A&F University(Social Science Edition) 机构：郑州大学商学院;西安石油大学;西北农林科技大学经济管理学院; 出版日期：2014-01-10 出版单位：西北农林科技大学学报(社会科学版) 年：2014 期：v.14;No.90 基金：国家自然科学基金项目(71073126);; 长江学者和创新团队发展计划资助项目(IRT1176);; 2010年度高等学校博士学科点专项科研基金(20100204110030);; 国家社会科学基金青年项目(10CJY043) 语种：中文; 页：NLXS201401011 页数：8 CN：01 ISSN：61-1376/C 分类号：70-77

摘要

基于2011年调查数据,运用独立混合截面数据模型分析农户从正规金融途径借贷和非正规金融途径借贷对其增收产生的影响。结果显示,农户偏好从非正规金融借贷,非正规金融借贷规模是正规途径借贷规模的4.15倍,在满足生活消费和生产性投资方面发挥着较正规金融更为重要的作用。不到50%的非正规途径借贷农户将资金用于生产性投资,而从正规金融机构借贷的农户90%是用于生产投资,且二者的生产性资金投向存在较大差异,非正规金融借贷资金主要投向畜牧业和非农产业,正规金融机构贷款则主要投向种植业和农机具补贴,资金借贷规模和资金用途是致使非正规金融绩效高的原因所在。基于此,提出解禁非正规金融,提高农村金融覆盖率,加快基于农户实际需求的金融产品设计,尤其是抵押担保品创新,防范非正规金融市场金融风险等政策建议。
        Based on the survey data collected in 2011,with independent pooled cross section model,we analyzed different effects of loans from formal financial institutions and informal financial ways on their income.The results showed that farmers preferred to get loans from informal finance,from which the scale is 4.15times of formal finance,and they mainly used the money borrowed to life consumption and production investment,thus it played a more important role than formal finance.Less than 50%farmers put funds from informal channels in production,while 90%farmers invested money from formal financial institutions into production.There were big differences between them,the funds from informal finance were mainly invested in animal husbandry and nonfarming field,while loans from formal financial institutions were mainly invested into planting and farming machinery,so informal finance's performance was higher than that of formal finance owing to the borrowed funds scale and their usage.Based on this,we put forward propositions such as freeing informal finance market,improving rural financial coverage,designing financial product especially the collateral innovation based on farmers' actual demand,preventing financial risk of informal financial market.

引文

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