经营规模扩大真的会刺激农户的信贷需求吗？——以信贷约束背景下的广东省稻农为例

Will the Expansion of Business Scale Really Stimulate the Credit Needs of Farmers?——An empirical research of rice farmers in Guangdong province under the background of credit constraints

随着农地流转市场和劳动力要素相关市场的进一步完善,资本在农业生产中对土地和劳动力的替代性越来越明显,这可能进一步催生农户的信贷需求。实证研究表明:农户经营规模扩大意愿对农户的信贷需求有正向促进作用;土地规模以及农户的贷款计划也会促进农户的信贷需求。通过探讨经营规模扩大对信贷需求的影响,为信贷约束背景下的农户发展提供思路。

With the further improvement of farmland circulation market and labor factor related market,the substitution effect of capital for land and labor in agricultural production is becoming more and more obvious,which may further stimulate the credit demand of farmers.The empirical research shows that the willingness to expand the operation scale of farmers has a positive effect on the credit demand of farmers;Also,the scale of land and the loan plan of farmers will also promote the farmers' credit demand.By discussing the impact of operation scale expansion on credit demand,it provides ideas for the development of farmers in the context of credit constraints.