异质性社会资本、债务平衡点与农牧户增收——基于内蒙古自治区4盟市374个农牧户的调查分析被引量：9

Heterogeneous Social Capital, Balance of Debt and Income Increase of Farmers and Herdsmen: An Analysis Based on the Investigation of 374 Farmers and Herdsmen in 4 League Cities in Inner Mongolia Autonomous Region

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摘要随着国家金融支农力度不断加大,正规信贷是否必然促进农牧户增收仍然存疑。本文以内蒙古自治区4盟市374个农牧户为研究对象,利用OLS、2SLS和LIML估计方法,实证检验了正规信贷规模对农牧户增收的影响机理,并进一步分析了异质性社会资本对债务平衡点产生的差异性作用。研究发现,正规信贷规模对农牧户增收的影响呈"倒U型",存在一个债务平衡点,使正规信贷促进农牧户增收的效应最大化。同时,相对于总体债务平衡点,以情感互动为目标的非正式社会资本,使农牧户的债务平衡点偏高;以地位寻求为目标的正式社会资本,使农牧户的债务平衡点偏低。对此,支农金融机构应充分考察不同社会资本类型农牧户的信贷配置效率,实行差异化信贷供给,防范农牧户可能存在的过度负债风险。 With the increasing financial support to agriculture,it is still doubtful whether formal credit can inevitably promote the increase of income of farmers and herdsmen.This article takes 374 farmers and herdsmen households in 4 League cities of Inner Mongolia Autonomous Region as research samples,and uses OLS,2 SLS and LIML estimation methods to empirically examine the impacts of formal credit scale on the income increase of farmers and herdsmen,and further analyzes the differential effect of heterogeneous social capital on debt balance.It finds that the effect of formal credit scale on the income increase of farmers and herdsmen shows an"inverted U-shaped"curve,and there is a debt balance point to maximize the effect of formal credit on the income increase of farmers and herdsmen.Meanwhile,compared with the overall optimal credit scale,informal social capital aiming at emotional interaction makes the debt balance of farmers and herdsmen higher.Formal social capital aiming at status seeking makes the optimal credit scale of farmers and herdsmen lower.In this regard,agricultural financial institutions should fully investigate the credit allocation efficiency of farmers and herdsmen with different social capital types,implement differentiated creditsupply,and preventthe risk of excessive debtthat may existamong farmers and herdsmen.

作者许黎莉朱雅雯乌云花张雷陈东平 XU Lili;ZHU Yawen;WU Yunhua;ZHANG Lei;CHEN Dongping

机构地区内蒙古农业大学经济管理学院南京农业大学金融学院南京财经大学金融学院

出处《中国农村经济》 CSSCI 北大核心 2021年第3期128-144,共17页 Chinese Rural Economy

基金国家自然科学基金项目“政策性担保贷款自我履约的微观机理与实现路径”(项目编号:71963026) 内蒙古自然科学基金项目“农牧区资金互助组织成长演化机制与可持续发展的条件响应”(项目编号:2019MS07009) 内蒙古农业大学人文社科研究重点课题“农牧交错带牧民合作组织合作契约达成及治理结构选择”(项目编号:2018ZD5)的资助

关键词异质性社会资本债务平衡点农牧户增收 “倒U型”曲线 Heterogeneous Social Capital Balance of Debt Increasing Income of Farmer and Herdsman Inverted U-shaped Curve

分类号 F323.8 [经济管理—产业经济] F832.43 [经济管理—金融学]