CAJ | 학술논문

本文以江苏省新沂市为例,采用组群配对法考察了农村土地承包经营权抵押贷款试点对农户信贷可得性的影响。研究发现,从村级层面看,试点村的农户信贷需求率与贷款发生率均高于非试点村,试点村的信贷配给率略低于非试点村,试点村小农户的完全数量配给率低于非试点村,大农户的部分数量配给率低于非试点村,但其差异在统计上均不显著;从农户层面看,运用多项Logit回归模型对农户信贷配给影响因素的估计结果表明,试点对降低农户完全数量配给具有显著影响。农地抵押贷款试点可在一定程度上缓解农户完全数量配给、提高农户信贷可得性,但在当前的农村法律经济条件下,农地抵押贷款发生率偏低,其预期效果并不显著。
본문이강소성신기시위례,채용조군배대법고찰료농촌토지승포경영권저압대관시점대농호신대가득성적영향。연구발현,종촌급층면간,시점촌적농호신대수구솔여대관발생솔균고우비시점촌,시점촌적신대배급솔략저우비시점촌,시점촌소농호적완전수량배급솔저우비시점촌,대농호적부분수량배급솔저우비시점촌,단기차이재통계상균불현저;종농호층면간,운용다항Logit회귀모형대농호신대배급영향인소적고계결과표명,시점대강저농호완전수량배급구유현저영향。농지저압대관시점가재일정정도상완해농호완전수량배급、제고농호신대가득성,단재당전적농촌법률경제조건하,농지저압대관발생솔편저,기예기효과병불현저。
Using cluster matched- pairs of experimental and non- experimental villages to study rural land contracting right mortgage loan in Xinyi in Jiangsu Province,we evaluate the impact of the land loan on farmer credit access. The results show that： First,The demand and loan take-up rate in experimental villages is higher than that in non- experimental villages,but the credit rationing rate is lower in experimental villages. Compared with non- experimental villages,the completed quantity rationing rate of small farmers and the partial quantity rationing rate of big farmers are lower in experimental villages. But the t- test shows that the difference is not significant. Second,The regression result of multiple logit model shows that the experiment has a significantly negative impact on completed quantity rationing rate. Because of the current law,economic and social conditions in rural areas,the land loan take- up rate is low and the experiment is less efficiency.