涉农小额信贷对农户幸福感的影响--基于家庭消费视角

Impact of Rural Microcredit on Rural Household’s Happiness:Based on the Perspective of Household Consumption

基于CHFS数据库所包含的农户家庭金融数据,分析了农户参与涉农小额信贷的影响因素,使用倾向得分匹配法(PSM)研究了其对农户家庭消费的影响,并进一步利用固定效应模型测算了其对农户幸福感的影响效应,结果表明:中青年、家庭资产丰厚、金融知识丰富的农户更倾向于参与涉农小额信贷;涉农小额信贷能够明显促进家庭总消费,尤其是生产性消费;涉农小额信贷本身与其促进的消费行为均能明显提升农户幸福感,经过方差分解发现通过消费渠道提升的效应占主要部分。

Based on the financial data of rural households contained in the CHFS database,this paper studies the factors affecting rural household participation in rural microcredit,then uses the propensity score matching method(PSM)to study its impact on rural household consumption.And the paper uses the fixed effects model to measure the effect on the happiness of rural households.The results show that the young and middle-aged,households with rich family assets and rich financial knowledge are more inclined to participate in rural microcredit;Rural microcredit can significantly promote household consumption,especially productive consumption;Agriculture-related small loan services for themselves and the consumer behaviors that it promotes can significantly improve the happiness of the rural households.After variance decomposition,it is found that the effect of improving through consumption channels accounts for the main part.