产权抵押贷款下的农户信贷约束分析

Research on The Farmers' Credit Constraints under Rural Property Mortgage

本文基于2014年西部开展农村产权抵押贷款试点地区的581户农户数据,从农户经营类型视角切入,运用Heckman广义三阶段回归模型实证分析了不同经营类型农户的信贷需求及约束程度。分析发现,西部农村产权抵押贷款试点地区农户受信贷约束程度不太明显;农户在面临资金困难时,对正规金融机构的依赖性较强;信贷约束程度与农户经营类型呈现明显的反向关系,非农经营方式的农户由于缺乏土地抵押品导致受信贷约束的程度较大。因此,应建立合理有效的农村产权抵押贷款机制,加大对新型农业经营主体的金融支持,解决非农经营方式农户的信贷需求。

Based on the survey of 581 farmers' data in west of China and Heckman Generalized Three Stages Regression Model,this paper verifies the? different types of farmer'credit demand and constraints in the rural property mortgage pilot areas on the point of different farmers ' business types. The resultsshowed that the farmers' level of credit constraints is not obvious in west part,farmers have strong reliance on formal financial institutions when they were in the face of financial difficulties. There is an inverse relationship between the farmers' business type and the level of credit constraints,the level of credit constraints of non-agricultural farmers is higher because they are lack of the land used as collateral. Therefore,establishing the mechanism of rural property mortgage,supporting the new agricultural entity and solving the non-agricultural farmers demand for credit are very important.