农村土地经营权抵押贷款:收入效应及模式差异
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摘要
以农村土地经营权抵押贷款试点县调研数据为依据,运用倾向得分匹配法(PSM)和固定效应模型实证检验了农村土地经营权抵押贷款收入效应。结果表明,在消除样本选择性偏差和内生性问题之后,农村土地经营权抵押贷款收入效应具有显著且持续的推动作用,而且贷款周期越长,推动作用越大。另外,与政府主导型农村土地经营权抵押贷款相比,市场主导型农村土地经营权抵押贷款促进农户收入增长的效果更好。为此,未来农村土地经营权抵押贷款政策完善的重点在于加大农村土地经营权抵押贷款的宣传力度,正视农户间的异质性,积极提供差异化产品,进一步优化农村金融生态环境,完善农村土地经营权抵押贷款发放激励机制,激发农村金融机构开展农村土地经营权抵押贷款业务的积极性。
Based on the investigation in pilot counties,the author makes an statistical analysis on the income effect of rural land management right mortgage loan by using PSM(Propensity Score Matching)model. The results show that after eliminating the selectivity bias and endogenous problems,the rural land management right mortgage loan has been playing a remarkable and sustainable part in promoting farmers’ income;and the longer the loan term,the greater role it plays. besides,compared with the government-led mode,the effects of rural land management right mortgage loan in the market-oriented mode are more effective.Therefore,in the future the key to improving and perfecting rural land operating right mortgage policy is to face up to the heterogeneity among farmers,proactively provide differentiated financial products,make further improvement in optimizing the rural financial ecological environment,perfecting related incentive mechanism.
Based on the investigation in pilot counties,the author makes an statistical analysis on the income effect of rural land management right mortgage loan by using PSM(Propensity Score Matching)model. The results show that after eliminating the selectivity bias and endogenous problems,the rural land management right mortgage loan has been playing a remarkable and sustainable part in promoting farmers’ income;and the longer the loan term,the greater role it plays. besides,compared with the government-led mode,the effects of rural land management right mortgage loan in the market-oriented mode are more effective.Therefore,in the future the key to improving and perfecting rural land operating right mortgage policy is to face up to the heterogeneity among farmers,proactively provide differentiated financial products,make further improvement in optimizing the rural financial ecological environment,perfecting related incentive mechanism.
引文
[1]曹瓅,罗剑朝.农户产权抵押借贷行为及对家庭福利效果影响分析[J].大连理工大学学报(社会科学版),2015(1):51-56.
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[6]牛晓冬,罗剑朝,牛晓琴.农户分化、农地经营权抵押融资与农户福利——基于陕西与宁夏农户调查数据验证[J].财贸研究,2017(7):21-35.
[7]郭忠兴,汪险生,曲福田.产权管制下的农地抵押贷款机制设计研究——基于制度环境与治理结构的二层次分析[J].管理世界,2014(9):48-57.
[8]赵丙奇.农村土地经营权抵押贷款融资效果评价[J].社会科学战线,2017(7):55-64.
[9]叶静怡,刘逸.欠发达地区农户借贷行为及福利效果分析——来自云南省彝良县的调查数据[J].中央财经大学学报,2011(2):51-56.
[10]徐翠萍,史清华,Holly Wang.税费改革对农户收入增长的影响:实证与解释——以长三角15村跟踪观察农户为例[J].中国农村经济,2009(02):22-33.
[11]MA D X,LI B Y,SHI Z.Multi-functional sites catalysts based on post-synthetic modification of metal-organic frameworks[J].Chinese chemical letters,2018(6):827-830.
[12]桂河清,于开红,孙豪.农业转移人口市民化扩大其消费需求的实证研究——基于倾向得分匹配及无条件分位数分解的方法[J].农业技术经济,2018(8):54-62.
[2]杨丹丹,罗剑朝.农地经营权抵押贷款可得性对农业生产效率的影响研究——以宁夏平罗县和同心县723户农户为例[J].农业技术经济,2018(8):75-85.
[3]梁虎,罗剑朝,张珩.农地抵押贷款借贷行为对农户收入的影响——基于PSM模型的计量分析[J].农业技术经济,2017(10):106-118.
[4]张欣,于丽红,兰庆高.农户农地经营权抵押贷款收入效应实证检验——基于辽宁省昌图县的调查[J].中国土地科学,2017(12):42-50.
[5]曹瓅,罗剑朝.农户对农地经营权抵押贷款响应及其影响因素——基于零膨胀负二项模型的微观实证分析[J].中国农村经济,2015(12):31-48.
[6]牛晓冬,罗剑朝,牛晓琴.农户分化、农地经营权抵押融资与农户福利——基于陕西与宁夏农户调查数据验证[J].财贸研究,2017(7):21-35.
[7]郭忠兴,汪险生,曲福田.产权管制下的农地抵押贷款机制设计研究——基于制度环境与治理结构的二层次分析[J].管理世界,2014(9):48-57.
[8]赵丙奇.农村土地经营权抵押贷款融资效果评价[J].社会科学战线,2017(7):55-64.
[9]叶静怡,刘逸.欠发达地区农户借贷行为及福利效果分析——来自云南省彝良县的调查数据[J].中央财经大学学报,2011(2):51-56.
[10]徐翠萍,史清华,Holly Wang.税费改革对农户收入增长的影响:实证与解释——以长三角15村跟踪观察农户为例[J].中国农村经济,2009(02):22-33.
[11]MA D X,LI B Y,SHI Z.Multi-functional sites catalysts based on post-synthetic modification of metal-organic frameworks[J].Chinese chemical letters,2018(6):827-830.
[12]桂河清,于开红,孙豪.农业转移人口市民化扩大其消费需求的实证研究——基于倾向得分匹配及无条件分位数分解的方法[J].农业技术经济,2018(8):54-62.