支农贷款减贫效应的实证研究——基于西部地区4976户农户微观数据的PSM分析

Empirical Research of Poverty Alleviation Effect of Agriculture Loans——PSM Analysis Based on Survey Data of 4976 Households in Western Regions

本文利用我国西部地区11省(市、区)4976户农户的微观调研数据,运用Logit模型和倾向匹配得分法(PSM),对支农贷款的减贫效应进行实证检验。结果显示,支农贷款对贫困农户的收入增加具有负向作用,对非贫困农户的收入增加影响具有正向作用。另外,农户教育背景、政治关系资本、家庭规模和贷款需求构成了农户能否获得贷款的重要影响因素。据此,本文从实施瞄准性的金融扶贫政策和提升农户获得贷款能力两方面提出金融帮助贫困农户脱贫及脱贫农户致富的政策建议。

Using micro-survey data of 4976 households in 11 western provinces （ cities, districts）, this paper examines the poverty alleviation effect of agriculture loans by Logit model and PSM method. The results show that agriculture loans have a negative effect on the poor while a positive effect on the non-poor. In addition, whether farmers can get loans or not is mainly determined by educational background, political relationships, family scale and loan demand. Accordingly, the policy recommendations are including two aspects which are implementation of financial poverty allevia- tion policy and to enhance the ability of farmers to obtain loans.