农地经营权抵押贷款对农户收入影响的实证检验

Impact of Mortgage Loan of Rural Land Contractual Right on Households’ Income

在全面深化金融改革背景下,农地经营权抵押贷款在农村金融的改革创新中扮演着越来越重要的作用。基于宁夏回族自治区同心县农户数据,利用PSM-DID模型分析农地经营权抵押贷款对农户收入的影响。结果表明:农地经营权抵押贷款能显著促进农民总收入和农业收入增加;土地经营面积的扩大能够促进农户参与农地经营权抵押贷款业务。基于此,提出加大宣传力度、规范农村金融市场秩序和金融机构经营行为、扶持适度规模经营等建议。

With the deepening of financial reform in an all-round way,rural land contractual right mort⁃gage finance is playing a more and more significant role.Based on the data of households in Tongxin County,Ningxia Hui Autonomous Region,the paper used PSM-DID model to analyze the impact of mortgage loan of ru⁃ral land contractual right on households’income.The results show that the mortgage loan of rural land contrac⁃tual right can significantly promote the increase of households’total income and agricultural income;the study also finds that the expansion of land management area can promote households participation in the mortgage loan business of rural land contractual right.Based on the conclusion,the paper puts forward some suggestions,such as promoting publicity,standardizing the order of rural financial market and the operation behavior of fi⁃nancial institutions,and supporting moderate scale operation.