机构地区: 中国人民银行
出 处: 《金融理论与实践》 2017年第2期47-53,共7页
摘 要: 农户信贷是金融扶贫的主要形式和重要载体。建立农户信贷扶贫机制的一个理论模型,揭示农户信贷对农民收入增长的作用机制,并以我国首个农村金融改革试点县农户信用信息系统的微观数据为样本,运用倾向匹配得分法控制了农户信贷影响因素的内生性后,对农户信贷的收入效应进行考察。结果发现农户信贷带给农户更高的收入和更快的收入增速。进一步分析显示,农户的信用水平和收入水平越高,信贷的激励效应越明显;同时经营性信贷对农户收入的激励效应越强。因此,提高农户的信贷可得,特别是农户经营性信贷可得,以及加快农村信用体系建设,是金融扶贫的主要抓手和有力支点。 Peasant household credit is the main form and important carrier of financial poverty alleviation. This paper establishes a theoretical model of farmers’credit poverty alleviation mechanism,reveals the credit mechanism of the farmers’income growth , and base on the micro data of farmerscredit information system in China’s first rural financial reform pilot county, empirically examines theeffect of household credit on farmers’income growth by using propensity matching score method tocontrol the farmers’credit endogenous factors, results showed that farmer credit brings farmers higherincome and faster income growth. Further analysis showed that the higher the level of credit and incomeof farmers, the more obvious the incentive effect of credit; and operating credit has the strongerincentive effect on farmers’income growth. Therefore, to improve the availability of farmers’credit,especially the availability of farmers’operating credit and accelerate the construction of rural credit system is the main starting point of financial poverty alleviation and strong fulcrum.
关 键 词: 农户信贷 农民收入增长 金融扶贫 倾向得分匹配
领 域: [经济管理]