摘要
本文阐释了金融知识影响农民农地抵押贷款需求的机理,并依据陕西省农地承包经营权抵押贷款试点和非试点地区的农户调查数据,运用Bivariate Probit和分组回归模型,检验了金融知识对农民农地抵押贷款需求的影响及农民分化、农地确权颁证对金融知识影响农民农地抵押贷款需求的调节效应。实证结果表明,金融知识显著正向影响农民农地抵押贷款需求,而农地抵押贷款供给约束在一定程度上抑制了金融知识对农民农地抵押贷款需求的正向影响。进一步实证分析发现,农民分化、农地确权颁证均对农民农地抵押贷款需求有显著负向影响,且农民分化对金融知识影响农民农地抵押贷款需求的调节作用不显著,而农地确权颁证对金融知识影响农民农地抵押贷款需求的调节作用显著,即金融知识对农地确权且颁证农民农地抵押贷款需求的影响大于对确权未颁证农民农地抵押贷款需求的影响。
This article analyzes the impact of financial literacy on demand for farmland mortgage loans and the regulatory effect of farmer differentiation and farmland certification on the impact of financial literacy on demand for famaland mortgage loans. A bivariate probit model and a grouping regression model are employed based on survey data collected from 908 farm households from the pilot and non-pilot areas in Shaanxi Province. The results show that an increase in financial literacy enhances farmers＇ demand for farmland mortgage loans in a significantly positive way, and to a certain extent farmland mortgage supply constraint restrains the positive influence of financial literacy on farmers＇ demand for farmland mortgage loans. Moreover, farmer differentiation and farmland certification both play a regulatory role in the relationship between financial literacy and farmers＇ demand for farmland mortgage loans. Specifically, the influence of financial literacy on the demand for farmland mortgage loans for farmers who are partly active in agriculture is larger than that of farmers who are completely active in agriculture. Meanwhile, the impact of financial literacy on the demand for farmland mortgage loans for farmers with farmland being confirmed and certified is larger than that of farmers whose land has not yet been confirmed or certified.
出处
《中国农村经济》
CSSCI
北大核心
2017年第11期75-89,共15页
Chinese Rural Economy
基金
国家自然科学基金项目“基于农户收入质量的农村正规信贷约束模拟检验及政策改进研究”(项目编号:71373205)、“金融行为中介作用下农民金融素养对收入质量的影响机制及提升路径研究”(项目编号:71773094)的资助
关键词
金融知识
农地抵押贷款需求
农民分化
农地确权颁证
Financial Literacy
Demand for Farmland Mortgage Loan
Farmer Differentiation
Farmland Certification
