金融可得性与农户适度规模经营——基于CHARLS数据的实证分析

Financial Availability and Rural Households' Appropriate——Scale Operation: An Empirical Study Based on Data of CHARLS

本文利用CHARLS全国调查数据,通过Probit模型检验了金融可得性对农户适度规模经营的影响。研究结果表明:一方面,正规金融和非正规金融都能显著提高农户从事适度规模经营的概率,且正规金融的影响效应更大;但另一方面,无论是融资数量还是资金来源,非正规金融都是农户融资的主要渠道,正规金融对农户融资存在着严重的供给约束,金融需求与供给的脱节成为农户转变生产经营模式的重要障碍。因此要持续推进我国农村土地的适度规模经营就必须创新农村金融市场,提升金融机构服务能力,提高农户的金融可得性。

This paper uses data from CHARLS and tests the impact of financial availability on the appropriate scale-operation of the rural households in China through Probit mode. Results show that on one hand, both of formal financing and informal financing can improve the probability for households to be engaged in appropriate scale-operation and the effect of the former is bigger than the latter. On the other hand, informal financing provides more capital and serves as the major financing channel for rural households. The rural households are facing serious formal financing constraints which prevent the rural households from changing their way in land operation. Therefore, the sustainable promotion of rural households to change their land operation requires innovation on the financing market and improvement of the financing agencies＇ service so as to raise the financing availability of rural households