农村土地承包经营权抵押贷款与农户信贷可得性--基于组群配对的实证分析

Rural Land Contracting Right Mortgage Loan and Credit Access:An Empirical Analysis Based on Cluster Matched Pairs

本文以江苏省新沂市为例,采用组群配对法考察了农村土地承包经营权抵押贷款试点对农户信贷可得性的影响。研究发现,从村级层面看,试点村的农户信贷需求率与贷款发生率均高于非试点村,试点村的信贷配给率略低于非试点村,试点村小农户的完全数量配给率低于非试点村,大农户的部分数量配给率低于非试点村,但其差异在统计上均不显著;从农户层面看,运用多项Logit回归模型对农户信贷配给影响因素的估计结果表明,试点对降低农户完全数量配给具有显著影响。农地抵押贷款试点可在一定程度上缓解农户完全数量配给、提高农户信贷可得性,但在当前的农村法律经济条件下,农地抵押贷款发生率偏低,其预期效果并不显著。

Using cluster matched- pairs of experimental and non- experimental villages to study rural land contracting right mortgage loan in Xinyi in Jiangsu Province,we evaluate the impact of the land loan on farmer credit access. The results show that： First,The demand and loan take-up rate in experimental villages is higher than that in non- experimental villages,but the credit rationing rate is lower in experimental villages. Compared with non- experimental villages,the completed quantity rationing rate of small farmers and the partial quantity rationing rate of big farmers are lower in experimental villages. But the t- test shows that the difference is not significant. Second,The regression result of multiple logit model shows that the experiment has a significantly negative impact on completed quantity rationing rate. Because of the current law,economic and social conditions in rural areas,the land loan take- up rate is low and the experiment is less efficiency.