摘要
研究资金互助合作的农户福利效应对探索贫困地区扶贫道路、缓解城乡发展不平衡具有重要意义。基于江苏省苏北经济薄弱地区连云港、盐城和徐州三地46家资金互助合作社、450户农户的微观调研数据,运用倾向得分匹配(PSM)方法从经济福利和非经济福利角度考察了参与资金互助合作的农户福利效应,并进一步分析了资金借贷行为在其中的影响。研究表明,参与资金互助合作显著提高了经济薄弱地区农户的经济福利、农民幸福感、金融安全感,对身份认同感的影响则不显著;入社以后资金借贷行为有助于提升社员的经济福利、农民幸福感、身份认同感,但对金融安全感基本没有影响。另外,户主受教育程度、土地经营规模、非农就业水平、固定资产价值、借贷资金发放时间构成了农户是否参与资金互助合作的重要因素,非农就业水平和借贷资金发放时间对社员借贷行为影响显著。因此,应当稳步推进经济薄弱地区农民资金互助合作试点,鼓励入社农户申请互助资金,强化政府扶持和配套制度保障,提升农户经济福利和非经济福利,缓解城乡发展不平衡问题,推动乡村振兴。
It is of great significance to study the welfare effect of mutual fund cooperation on peasant households to explore the path of poverty alleviation in poor areas and alleviate the imbalance of urban and rural development.Based on the microscopic survey data of 46 mutual fund cooperatives and 450 peasant households in Lianyungang,Yancheng and Xuzhou,which are weak economy areas in northern Jiangsu Province,this paper uses the Propensity Score Matching method to investigates the welfare effects of peasant households participating in mutual fund cooperation from the perspective of economic welfare and non-economic welfare,and further analyzes the influence of fund borrowing behavior in it.The study shows that participation in mutual fund cooperation significantly improves the economic welfare,happiness and financial security of peasant households in weak economy areas,but has no effect on peasant households sense of identity;after joining the cooperative,the fund borrowing behavior helps to improve the economic welfare,happiness and identity,but has no significant impact on the financial security.In addition,the education level of householders,the household land management area,the level of off-farm employment,the value of fixed assets and the issuing time of the loan constitute the important factors of whether peasant households participate in mutual fund cooperation,and the level of off-farm employment and the issuing time of the loan have a significant impact on members borrowing behavior.Therefore,we should steadily promote the pilot projects of mutual fund cooperation among peasant households in weak economy areas,encourage peasant households who have joined cooperatives to apply for mutual funds,strengthen government support and the guarantee of supporting system,improve the economic and non-economic welfare of peasant households,alleviate the imbalance of urban and rural development,and promote rural revitalization.
作者
张笑寒
周蕾
ZHANG Xiaohan;ZHOU Lei(School of Economics,Nanjing Audit University,Nanjing 211815,China)
出处
《土地经济研究》
2021年第1期58-76,共19页
Journal of Land Economics
基金
江苏省社科应用研究精品工程财经发展专项课题(20SCC 20)
江苏省研究生科研创新计划项目(KYCX21_1826)。
关键词
资金互助合作
借贷行为
经济福利
非经济福利
经济薄弱地区
mutual fund cooperation
borrowing behavior
economic welfare
non-economic welfare
weak economy areas
