乡村振兴战略下农户资产组合选择研究——基于惠农政策、农户家庭生命周期理论及背景因素的分析

Research on the Selection of Farmers’ Asset Portfolio under the Strategy of Rural Revitalization——Analysis based on the policy of benefiting farmers, household life cycle theory and background factors

多年来,我国实行的惠农政策有利于农户增收。本文结合农户个人特征因素,对乡村振兴战略下农村家庭资产配置状况进行分析。利用河南省的农户调查数据,分析新农合和新农保等政策实施给农户资产组合模式带来的变化;通过多元选择模型检验惠农政策、背景因素对农户资产组合选择的影响,其基本结论是:当前农户资产组合的预防动机依然明显,农户的资产组合与其生产生活内容高度相关,政策性金融产品对优化农户的资产组合发挥重要作用。基于此,应强化农村人口的金融教育,丰富政策性金融产品,优化农户资产组合,推动农村金融市场现代化。

Over the years,China’s preferential agricultural policies have been beneficial to the increase of farmers’income.This paper analyzes the allocation of rural household assets under the strategy of rural revitalization by combining the factors of farmers’personal characteristics.Based on the survey data of farmers in Henan Province,this paper analyzes the changes in the portfolio model of farmers caused by the implementation of policies such as the new rural cooperative medical system and the new rural insurance system;Through the multiple choice model,the paper examines the impact of preferential agricultural policies and background factors on the selection of farmers’asset portfolio.The basic conclusion is that at present,the prevention motivation of farmers’asset portfolio is still obvious,farmers’asset portfolio is highly related to their production and life content,and policy-based financial products play an important role in optimizing farmers’asset portfolio.Based on this,we should strengthen the financial education of the rural population,enrich the policy-based financial products,optimize the asset portfolio of farmers,and promote the modernization of the rural financial market.