农户借贷行为及其收入效应——基于CHFS的实证分析

The Borrowing Behavior of Rural Households and the Income Effects——Based on Empircal Analysis of CHFS Data

根据中国家庭金融调查2015年发布的数据,对农村地区从事农业经营活动家庭的借贷行为对农业收入的影响进行实证分析。研究发现:农户借贷行为具有收入效应,且相比于非正规金融借款,正规金融贷款的收入效应更强烈,而农户受教育的程度会影响借贷行为的收入效应。另外,研究结果还显示借贷的收入效应存在明显的区域差异,中西部地区农户借贷的收入效应强于东部地区。

According to the data released by China Household Finance Survey in 2015,this paper makes an empirical analysis on the impact of borrowing behavior of rural households engaged in agricultural business activities on agricultural income.The results indicate that the effect of borrowing behavior on income is positive,the income effect of formal financing is more obvious than informal financing,and the degree of education can moderate the effect of borrowing behavior on income.Furthermore,the results also show that there are obvious regional differences.The income effect of farmers’loan in the central and western regions is stronger than that in the eastern regions.