小额信贷、绿色生产投入与农民收入增长——基于有机肥和化学农药施用成本

Microfinance,Green Production Investment and Farmers'Income Growth--Based on the Application Cost of Qrganic Fertilizer and Chemical Pesticide

金融支持是推动农民长效增收的关键因素,其中小额信贷是重要的金融手段。通过将以有机肥和化学农药施用成本代表的绿色生产投入作为中介变量,构建并行中介模型,利用实地调研获得的401份样本数据实证分析小额信贷对农民收入的影响。结果表明:(1)小额信贷对农民收入具有直接的正向促进作用;(2)小额信贷对绿色生产投入中的有机肥施用成本增加和化学农药使用成本减少均产生正向作用;(3)小额信贷能够通过绿色生产投入间接对农民收入产生正向促进作用。为促进小额信贷更好地服务于农民收入增长,应建立政府与金融机构的风险共担机制,利用大数据技术完善小额信贷对农民的补贴制度,强化小额信贷机构和农民的环保意识,加强对有机种植和智慧农业的支持力度。

Financial support is a key factor to promote the long-term increase of farmers'income,among which microfinance is an important financial means.In this paper,the application cost of organic fertilizer and chemical pesticide is used to represent the green production input as the mediating variable,and the parallel mediating model is constructed.The impact of microfinance on farmers'income is empirically analyzed by using 401 sample data obtained from field research.The results show that:(1)Microfinance has a direct positive effect on farmers'income;(2)Microfinance has a positive effect on the increase of organic fertilizer application cost and the decrease of chemical pesticide application cost in green production input;(3)Microfinance can indirectly promote farmers'income through green production investment.In order to promote microfinance to better serve the growth of farmers'income,we should establish a risk-sharing mechanism between the government and financial institutions,make full use of big data technology,strengthen the environmental awareness of farmers and microfinance institutions,and strengthen support for organic cultivation and smart agriculture.