金融环境、金融素养与贫困农户土地政策期望评价--基于陕西、甘肃、宁夏、青海四省(自治区)952户农户调查数据

Financial Environment,Financial Literacy and Land Policy Expectation Evaluation of Poor Farmers--Based on the Survey Data of 952 Households in Shaanxi,Gansu,Ningxia and Qinghai Provinces

以陕西、甘肃、宁夏及青海四省(自治区)农户调查数据为依据,构建农户土地政策选择效用模型,实证分析了金融环境、金融素养对贫困农户土地政策期望的影响。研究发现:作为土地经营的行为主体,农户受到自身资本积累、外部金融环境与自身金融素养等约束,具有有限的在非确定性环境中追求自身利益最大化的判断和决策能力。金融环境与金融素养均为农户进行差异化土地政策选择的重要机理因素。在良好的金融环境与金融素养刺激下,现有农户多选择转出、转入土地经营权或参与土地入股,表明两者的介入能够促进当下三权分置改革背景下的土地产权交易,有益于土地经营规模适度集中,表明政府与金融部门在优化生产要素组合、创新农地经营方式从而提高土地效率方面可以发挥核心作用。提出以良性发展的金融环境构建、金融知识的普及,以及差别化信贷管理模式的实施等措施切入对此问题的研究,有助于增进土地经营绩效、激活农户土地生产内在活力和发展多种形式规模经营目标的顺利实现。

Based on the survey data of farmers in Shaanxi,Gansu,Ningxia and Qinghai provinces,this paper constructs a utility model of farmers’land policy choice,and empirically analyzes the impact of financial environment and financial literacy on poor farmers’land policy expectations.It is found that as the main body of land management,farmers are constrained by their own capital accumulation,external financial environment and financial literacy,and have limited judgment and decision-making ability to pursue the maximization of their own interests in an uncertain environment.Financial environment and financial literacy are both important mechanism factors for farmers to make differentiated land policy choices.Under the good financial environment and financial literacy to stimulate existing farmers choose to turn out,turning to more land or participate in land investment,shows that intervention can promote the separation of the two under the background of reform of land property rights trading is the moderate concentration of land management scale,shows that the government and the financial sector in the optimal combination of factors of production,the innovation of farmland management way can play a key role to improve the efficiency of land.In view of this,it suggested that the construction of a benign financial environment,the popularization of financial knowledge,and the implementation of differentiated credit management mode should be taken into consideration to study this issue,which is conducive to improving land operation performance,activating the internal vitality of farmers’land production and achieving the goal of developing multi-form scale operation.