信贷支持对农户农业创业的影响
Impact of Credit Support on Agricultural Entrepreneurship
投稿时间:2022-05-04  修订日期:2022-09-04
DOI:
中文关键词:  信贷支持  农户创业  金融素养  信贷约束
英文关键词:credit support  farmers’ entrepreneurship  financial literacy  credit constraints
基金项目:国家杰出青年科学基金
作者单位邮编
刘聪 南京财经大学 210023
钱龙 南京财经大学 210003
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中文摘要:
      基于2020年中国土地调查(CLES)农户问卷数据,实证探究了信贷支持对农户农业创业的影响及机制。研究发现,获取信贷支持会显著提升农户从事农业创业的概率,且该结论在工具变量、替换变量和稀有事件模型等检验下依然稳健成立。研究还发现,相比老一代和低教育水平农户,信贷支持会更加显著地促进年轻代和中高教育水平农户从事农业创业。从影响机制看,信贷支持通过扩大经营面积、提高机械化水平和获取技术优势来促进农业创业。进一步讨论发现,银行信贷和民间信贷等不同信贷渠道均能有效促进农业创业,且信贷支持也能显著提升农业创业绩效。
英文摘要:
      Based on the China Land Survey (CLES) data, this paper focuses on the analysis of how credit support affects farmers' decisions on agricultural entrepreneurship. The results show that access to credit support can increase the probability of farmers’ agricultural entrepreneurship significantly. After using instrumental variables to solve the endogenous problems and robustness tests of substitution variables and rare event model, the study still obtains a consistent conclusion. Heterogeneity analysis shows that access to credit support significantly promotes the young generation of farmers, as well as middle and high education farmers, to engage in agricultural entrepreneurship. The mechanism analysis shows that access to credit support affects agricultural entrepreneurship mainly through changing business area, mechanization and technological advantage. Furthermore, both bank and private credit can effectively promote agricultural entrepreneurship, and credit support can also significantly boost agricultural entrepreneurship performance.
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