农社利益联结与农户信贷满足度

Interest Linkages of Agricultural Cooperatives and Satisfaction Degree of Rural Credit

有效联结小农户与现代农村金融市场,对于农村金融服务乡村振兴、促推农业农村现代化发展具有重要作用。本文基于中国家庭金融调查数据(CHFS2015),通过“零膨胀负二项回归”模型分析了农社利益联结对农户正规信贷满足度的影响及其作用机制。研究发现:相比普通社员农户,具有农社利益联结的农户更容易获得正规金融信贷,且在相同利益联结条件下精英社员相比普通社员的信贷满足度更高。从作用机制来看,农社利益联结程度越深,越能提升农户收入水平,且能使农户更加及时地归还贷款,从而提高农户信贷满足度。因此,在精准扶贫和乡村振兴战略协同背景下,需要强化农民合作社内部的利益联结,防范空壳合作社的虚假联结,推动农业产业链和供应链金融信贷,依托农社利益共同体降低农贷的“精英俘获”,加快农村金融普惠促推乡村产业振兴。

It is of vital importance to connect effectively small farmers and modern rural financial market in rural financial services and agricultural modernization.Based on the data of China s Household Finance Survey(CHFS2015),this paper analyzes the impact of the interest linkage of rural cooperatives on credit satisfaction and its mechanism through the zero inflation negative binomial regression model.The results are:compared with the average farmers,farmers who have interest linkage with agricultural cooperatives are more likely to obtain financial credit;the credit satisfaction of elite farmers is higher than that of average farmers under the same interests.Viewing from the perspective of the mechanism,the higher the interest connection degree,the higher the farmers income level;and the farmers will repay the loans in a timely manner;and therefore the credit satisfaction has been improved.Therefore,in the context of precise poverty alleviation and rural revitalization strategy coordination,it is necessary to strengthen the internal interest connection of cooperatives,prevent the false connection and shell cooperatives,promote the financial credit of agricultural industry chain and supply chain,reduce the“elite capture”of agricultural loans relying on the interest community of agricultural cooperatives,and accelerate the rural financial inclusion to promote the rural industry revitalization.