双循环下农业信贷配给对农户的影响研究

Research on Agricultural Credit Rationing under Double Circulation

农业信贷是支持农业发展的重要工具,信贷配给则是制约农业信贷发挥作用的最大难题。本文主要通过CFPS数据,通过建立二元logit模型,实证分析发现家庭人均收入与信贷配给显著负相关,而家庭借款总额、非房贷债务对农户是否遭遇信贷配给都有着显著的正相关影响。建议应通过建立完善担保体系,建立健全信用体系平台,加大对农业金融机构支持来缓解农户信贷配给。

Agricultural credit is an important tool to support agricultural development,and credit rationing is the biggest problem to restrict the function of agricultural credit.Based on CFPS data,this paper establishes a binary logit model to empirically analyze and find that household per capita income is significantly negatively correlated with credit rationing,while total household borrowing and non-mortgage debt are significantly positively correlated with whether farmers experience credit rationing.It is suggested that farmers'credit rationing should be alleviated by establishing and perfecting the guarantee system,establishing and perfecting the credit system platform,and increasing the support to agricultural financial institutions.