获得农业信用担保贷款促进了农户从事农业创业?

Has Obtaining Agricultural Credit Guarantee Loans Promoted Farmers to Engage in Agricultural Entrepreneurship

基于2022年陕西、山西和江苏三省的微观调研数据,实证分析获得农业信用担保贷款对农户农业创业决策的影响及作用机制,在此基础上分析农村金融环境的调节效应,进而探讨个人特质、创业规模和产业水平对农户从事农业创业影响的异质性。研究发现:(1)获得农业信用担保贷款会显著提升农户从事农业创业的概率;(2)农户获得农业信用担保贷款后,主要通过土地流入、扩大经营面积,增加农机投资、提高农用机械化水平从事农业创业;(3)农村金融环境及其金融深化特征维度在这一过程中发挥着正向的调节作用;(4)相比老年组和低学历水平农户,年轻组和中高学历水平农户获得农业信用担保贷款后会更加积极地从事农业创业,同时对中小规模及村内有特色产业的农业创业促进效应更强。

Lack of financial support is a major practical dilemma for farm households to engage in moderate scale operation and carry out innovation and entrepreneurship.Based on microscopic research data from Shaanxi,Shanxi and Jiangsu provinces in 2022,this study empirically analyzes the impact of obtaining agricultural credit guarantee loans on farmers’agricultural entrepreneurship decisions and the mechanism of action,based on which we analyze the moderating effect of the rural financial environment,and then explore the heterogeneity of the impact of personal traits,entrepreneurial scale,and industry level on farmers’engagement in agricultural entrepreneurship.It is found that(1)obtaining agricultural credit guarantee loans significantly increases the probability of farmers engaging in agricultural entrepreneurship;(2)after obtaining agricultural credit guarantee loans,farmers engage in agricultural entrepreneurship mainly through land inflow,expanding business area,increasing investment in agricultural machinery,and improving agricultural mechanization;(3)the rural financial environment and its financial deepening characteristics dimension play a positive moderating role in this process;(4)compared with the older group and farmers with low education level,the younger group and farmers with middle and high education level will be more actively engaged in agricultural entrepreneurship after obtaining agricultural credit guarantee loans,while the promotion effect is stronger for agricultural entrepreneurship of small and medium scale and village with special industries.