种粮大户正规信贷约束程度的测度与分析

The Evaluation and Analysis on the Formal Credit Constraints Level of Large-scale Grain-production Households

运用Biprobit模型和分位数回归方法,采用582个种粮大户的调查数据,从实证角度估算了种粮大户正规信贷约束程度,探究了正规信贷供需影响因素,以及在不同约束程度下各因素的影响差异。研究表明,种粮大户正规信贷约束程度高达78.89%,家庭耕地面积、农业收入和社会资本对正规金融机构信贷供给有显著影响;年龄、教育程度、家庭耕地面积、劳动力数量和大额支出显著影响种粮大户正规信贷需求;随约束程度分位点的提高,教育程度、家庭耕地面积、家人中有村干部、亲属是否在乡镇及以上政府部门或金融部门工作4个变量的系数呈U型变化,而大额支出、非生产性资产价值、家与最近正规金融机构距离3个变量的系数呈倒U型变化。

Base on a survey of 582 large-scale grain-production households , using Biprobit model and Quantile Regression method , the paper estimates the formal credit constraints level of large-scale grain-production households , describes the interaction of the formal credit supply and demand , and the effects discrepancy of various factors with different levels of credit constraint .The results show that the formal credit constraints level of large-scale grain-production households is as high as 78.89%;farmland, agri-culture income and social capital have significant influence on the credit supply of formal financial institu -tions;age, education, farmland, labor force quantity and large spending have significant influence on the credit demand of large-scale grain-production households;with the increase of credit constraint quantile , the change of four variables ’ coefficient show a “U shape” that are education , farmland , village cadres and vocation;and the change of three variables ’ coefficient show an “inverted U shape” that are large spending , non-productive assets and distance from the nearest formal financial institutions .