“家庭农场”模式下农户融资的反贫困效应理论分析

Theoretical Analysis of Anti-Poverty Effect of Farmers’ Financing in “Family Farm”Mode

我国农村贫困问题形势依旧严峻。家庭农场模式的提出,有利于缓解农村贫困问题,但资金的匮乏阻碍家庭农场的发展。"家庭农场"模式下,农户具有理性特征,融资需求具有生产性融资为主、融资金额大、偏好正规金融机构等特性。根据生产要素理论、规模经济、外部性等理论,农户融资将在家庭农场模式下发挥显著的反贫困效应,有效缓解农户的收入贫困、能力贫困、权利贫困及脆弱性贫困。为实现家庭农场可持续发展,应积极发展农村金融,优化金融经营环境,有效增加金融供给,解决农户贷款难题。

Rural poverty in China is still a serious and complex problem."Family farm"is raised to alleviate the rural poverty problem; however,the lack of funds hinders its development. Financial demand of rational farmers in "Family farm"mode is usually productive- increasing oriented,with large amount,and shows a particular preference for formal financial institutions. According to production factors theory,scale economy and externality theory,the farmers financing will play a significant role in anti- poverty,effectively reduce the farmer’s income poverty,capability poverty, power poverty and vulnerability poverty. For the sake of the"Family Farm"sustainable development,we should remold rural financial service system,optimize its environment and increase its supply.