财贸研究
財貿研究
재무연구
Finance and Trade Research
2013年
5期
55~61
,共null页
农业信贷保险互联 信贷配给 农户收入
農業信貸保險互聯 信貸配給 農戶收入
농업신대보험호련 신대배급 농호수입
inter-linked agricultural credit insurance;credit rationing;farmers’ income
基于江苏、湖北两省的调研数据,选取在年龄、地区、土地、农业生产投资等变量上都相近的农户,分为基准组与实验组两组,采用平均处理效应下的Match模型,比较农户参与互联能否增加农业收入,结果表明:信贷与保险互联能有效改善农户信贷配给,显著提高农户农业收入,并有效降低政策性农业保险保费补贴的财政压力。
基于江囌、湖北兩省的調研數據,選取在年齡、地區、土地、農業生產投資等變量上都相近的農戶,分為基準組與實驗組兩組,採用平均處理效應下的Match模型,比較農戶參與互聯能否增加農業收入,結果錶明:信貸與保險互聯能有效改善農戶信貸配給,顯著提高農戶農業收入,併有效降低政策性農業保險保費補貼的財政壓力。
기우강소、호북량성적조연수거,선취재년령、지구、토지、농업생산투자등변량상도상근적농호,분위기준조여실험조량조,채용평균처리효응하적Match모형,비교농호삼여호련능부증가농업수입,결과표명:신대여보험호련능유효개선농호신대배급,현저제고농호농업수입,병유효강저정책성농업보험보비보첩적재정압력。
By separating sample data from Jiangsu and Hubei provinces into base group and experimental group according to variables such as age,region,land and agriculture investment,this paper uses Match model,an average treatment model,to test weather joining in inter-linked agricultural credit insurance increases farmer’s income. Results show that the inter-linked agricultural credit insurance can improve credit rationing,increase farmers’ income,and reduce financial pressure of subsidies for policy-related agricultural insurance.
