摘要
土地流转可以提高农户的土地经营规模,进而影响农户的借贷和资本投入。实证研究表明土地流转不仅提高了农户借贷的概率,而且还让农户获得了更多的贷款,进而提高了农业生产的资本投入水平。研究证明,农户的生产性资本投入主要来源于短期贷款,而非长期贷款,长期贷款的一个主要投向是农户的教育支出;研究还发现农户贷款期限长短与贷款投向之间没有对应关系。当农户既有农业资金需求,又有非农资金需求时,农户既可能向正规金融机构贷款,也可能通过非正规金融渠道获得贷款。因此,政府应该鼓励各种形式的土地流转,促进非正规信贷发展,实行精准的低利率贷款政策,进一步完善合作社职能,提高农业补贴水平,关注农民健康和医疗保障问题,创造非农就业机会,以促进农户借贷和提高资本投入。
Land transfer can increase the scale of farmers land management,which may affect farmers borrowing and capital investment.Empirical research shows that land transfer can increase farmers borrowing and raise the level of agricultural capital investment.The main source of agricultural capital investment is short-term loans,though farmers education expenditure is mainly obtained through long-term loans.The study also found that there is no clear relationship between loan term and loan use.When farmers have both agricultural and non-agricultural needs,farmers may borrow from both formal financial institutions and informal financial sectors.The government should encourage various forms of land transfer and the development of informal credit,improve the functions of cooperatives,raise the level of agricultural subsidies,pay attention to farmers health care,and create more non-agricultural employment,in order to promote farmers borrowing and farm investment.
出处
《南京农业大学学报（社会科学版）》
CSSCI
北大核心
2021年第1期95-107,共13页
Journal of Nanjing Agricultural University(Social Sciences Edition)
基金
国家社会科学基金项目“土地流转引起的农业资本投入变化研究”(15BJY100)。
关键词
土地流转
农户借贷
资本投入
长期贷款
短期贷款
Land Transferring
Farmer Credits
Farm Investment
Long-Term Loans
Short-Term Loans
