基于农业供应链的金融精准扶贫效果研究
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摘要
基于对陕西省4个国家级重点扶贫开发县1080户获得扶贫贴息贷款的建档立卡贫困户的调查数据,采用倾向得分匹配法,实证分析农业供应链融资对精准扶贫农户的增收效应和贷款用途精准性。研究表明:与农户直接向银行贷款相比,在产业扶贫的基础上开展的农业供应链融资的精准扶贫效果显著;且与参与"银行+专业合作社+贫困户"供应链融资的贫困农户相比,参加"银行+农业企业+专业合作社+贫困户"供应链融资的贫困农户增收幅度更大;两种供应链融资模式都能显著提高扶贫贴息贷款用途的精准性,降低道德风险。
Based on the survey data of four national level poverty counties of shaanxi province of 1080 poverty households gettingsubsidised loans, using PSM to make a systematically empirical analysis of the income growth effect and the precision of loan useunder the agricultural supply chain financing.It arrives at the results as follows: firstly, compared with the direct loans from the Banks, thepoverty alleviation effect of attending agricultural supply chain loans is more significant, and participating in the"bank + agricultural enterprise + professional cooperatives+thepoor"supply chain financingbrings higher income than participating in"bank + professional cooperatives + the poor"supply chain financing.Secondly, Both kinds of supply chain financing can significantly improve the precision of the use of poverty alleviation subsidised loans and reduce moral hazard.
Based on the survey data of four national level poverty counties of shaanxi province of 1080 poverty households gettingsubsidised loans, using PSM to make a systematically empirical analysis of the income growth effect and the precision of loan useunder the agricultural supply chain financing.It arrives at the results as follows: firstly, compared with the direct loans from the Banks, thepoverty alleviation effect of attending agricultural supply chain loans is more significant, and participating in the"bank + agricultural enterprise + professional cooperatives+thepoor"supply chain financingbrings higher income than participating in"bank + professional cooperatives + the poor"supply chain financing.Secondly, Both kinds of supply chain financing can significantly improve the precision of the use of poverty alleviation subsidised loans and reduce moral hazard.
引文
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[20]温涛,王小华,杨丹,朱炯.新形势下农户参与合作经济组织的行为特征、利益机制及决策效果[J].管理世界,2015(7):82-97.
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[22]Caliendo M, Kopeining S. Some Practical Guidance for the Implementation of Propensity Score Matching[J]. Journal of Economic Surveys, 2008, 22(1):31-72.
[23]陈强,编著.高级计量经济学及Stata应用(第二版)[M].北京:高等教育出版社,2014:543-545.
[24]Abadie A, Imbens G W. Bias corrected Matching Estimators for Average Treatment Effects[J]. Journal of Business and Economic Statistics,2011,29(6):1-11.
[25]郭红东,陈敏.农户参与专业合作社的意愿及影响因素[J].商业研究,2010(6):168-171.
[26]苏群,陈杰.农民专业合作社对稻农增收效果分析:以江苏省海安县水稻合作社为例[J].农业技术经济,2014(8):93-99.
[2]李小云,唐丽霞,许汉泽.论我国的扶贫治理:基于扶贫资源瞄准和传递的分析[J].吉林大学社会科学学报,2015,55(4):90-98+250-251.
[3]赵晓峰,邢成举.农民合作社与精准扶贫协同发展机制构建:理论逻辑与实践路径[J].农业经济问题,2016,37(4):23-29+110.
[4]Aberdeen Groupb. The 2008 State of the Market in the Supply Chain Finance[J]. Journal of Banking and Finance,2007,24(6).
[5]Lewis Julian. Demand Drive Supply Chain Finance[J]. Treasury perspectives, 2007, 5:46-57
[6]Minten B. Global Retail Chains and Poor Farmers:Evidence from Madagascar[J].World Development,2009, 37(11):1728-1741.
[7]Maertens M. Supply Chains in Export Agriculture, Competition, and Poverty in Sub-Saharan Africa[J]. European Review of Agricultural Economics, 2013,11(4):123-185.
[8]Falkowski J. Economic Effects of Reorganizing an Agro-food Supply Chain:Some Evidence from Poland[J]. Journal of Organizational Change Management,2015,28(5):704-723.
[9]Soundarrajan P, Vivek N. A Study on the Agricultural Value Chain Financing in India[J]. Agric.Econ-Czech,2015, 61:31-38.
[10]马九杰,张永升,佘春来.基于订单农业发展的农业价值链金融创新策略与案例分析[J].农村金融研究,2011(7):11-17.
[11]杨益锋.以供应链金融模式服务农业产业链发展:对农行黄冈分行“三农”信贷创新的调查与思考[J].湖北农村金融研究,2011(11):38-40+43.
[12]刘西川,程恩江.中国农业产业链融资模式:典型案例与理论含义[J].财贸经济,2013(8):47-57.
[13]王泰.基于农业全产业链合作博弈的利益分配与金融服务研究:以龙江银行为例[D].哈尔滨:哈尔滨工业大学,2014:1-16.
[14]童馨乐,李扬,杨向阳.基于交易成本视角的农户借贷渠道偏好研究:以全国六省农户调查数据为例[J].南京农业大学学报(社会科学版),2015(6):78-87.
[15]李霖,郭红东.产业组织模式对农户种植收入的影响:基于河北省、浙江省蔬菜种植户的实证分析[J].中国农村经济,2017(9):62-79.
[16]孙艳华,刘湘辉,周发明,周力,应瑞瑶.生产合同模式对农户增收绩效的实证研究:基于江苏省肉鸡行业的调查数据[J].农业技术经济,2008(4):55-64.
[17]黄季焜,邓衡山,徐志刚.中国农民专业合作经济组织的服务功能及其影响因素[J].管理世界,2010(5):75-81.
[18]陈富桥,丁士军,姜爱芹.产销对接方式对农户农产品销售收入的影响:基于茶叶种植户的实证研究[J].农业技术经济,2013(7):72-77.
[19]蔡荣.“合作社+农户”模式:交易费用节约与农户增收效应——基于山东省苹果种植农户问卷调查的实证分析[J].中国农村经济,2011(1):58-65.
[20]温涛,王小华,杨丹,朱炯.新形势下农户参与合作经济组织的行为特征、利益机制及决策效果[J].管理世界,2015(7):82-97.
[21]Rosenbaum P R, Rubin D B. Constructing a Control Group Using Multivariate Sampling Methods that Incorporate the Propensity Score[J]. American Statistician,1985,39(1):33-38.
[22]Caliendo M, Kopeining S. Some Practical Guidance for the Implementation of Propensity Score Matching[J]. Journal of Economic Surveys, 2008, 22(1):31-72.
[23]陈强,编著.高级计量经济学及Stata应用(第二版)[M].北京:高等教育出版社,2014:543-545.
[24]Abadie A, Imbens G W. Bias corrected Matching Estimators for Average Treatment Effects[J]. Journal of Business and Economic Statistics,2011,29(6):1-11.
[25]郭红东,陈敏.农户参与专业合作社的意愿及影响因素[J].商业研究,2010(6):168-171.
[26]苏群,陈杰.农民专业合作社对稻农增收效果分析:以江苏省海安县水稻合作社为例[J].农业技术经济,2014(8):93-99.