差异化融资、资源禀赋与农民兼业选择——基于安徽省664份农户调查数据

Differential Financing,Resource Endowment and Farmers' Concurrent Business: Based on Survey Data of 664 Farmers in Anhui Province

基于安徽省664份农户调查数据,利用二元Logit模型,实证分析差异化融资、资源禀赋对农民兼业选择的影响。结果表明:融资利率反向作用于农民兼业,融资利率过高会降低农民兼业选择的积极性;子女教育或结婚、建房购房这类融资用途对农民兼业的正向促进作用最显著。在控制家庭收入水平的条件下,非正规融资渠道对农民兼业的影响存在结构性失衡;社会资本、耕地资源与农民兼业行为存在显著的负相关关系,人力资本与农民兼业行为存在显著正相关关系;同时,农民个体特征差异与农民兼业也存在显著的相关性。

Based on the survey data of 664 farmers from Anhui Province, empirical research was conduc- ted on the relationship of differential, financing, resource endowment and farmers＇ concurrent business by the binary Logit Model.It found that financing rate has opposite effects on farmers＇ multiple occupations as high fi- nancing rate would reduce farmers＇ enthusiasm for concurrent business choice;the finance purpose for chil- dren＇ s education or marriage, building or buying a house has the most significant positive effect on farmers＇ concurrent business choice. Informal financing channels＇ influence on the concurrent business of farmers are structurally,imbalanced when control family income level;social capital, cultivated land resource have signifi- cant negative effect on farmers＇ multiple occupations behavior while human capital has significant positive effect;meanwhile, it also showed that resource endowment heterogeneity has a significant correlation with farm- ers＇ multiple occupations behavior.