摘要
现代农业背景下的规模农户(种养大户、家庭农场)信贷资金严重不足成为制约其扩大再生产的瓶颈问题。对江苏泰州等现代农业示范区的实地调查发现规模农户信贷资金普遍存在缺口大、成本高、额度小等情况,运用Heckman两因素法分析得出农民年龄、家庭劳力数、种养兼业、贷款利率以及经营规模是关键影响因素。为得到更多的信贷资金,建议鼓励种养大户(家庭农场)从事种养结合的兼业化生产、规模化经营,加大财政补贴的支持力度以撬动更多信贷资金,对农业产业非正规借贷采取引导与完善相结合的政策,适当降低农业贷款利率以增加农业贷款投放量。
Under the background of modern agricultural,serious shortage of credit funds become bottleneck problem for the scale farmers.Based on the survey of a few modern agriculture demonstration areas such as Taizhou,it is found that big scale gap and high cost are universal.Using Heckman two-factor method,we have risen that farmer's age,number of family labor,loan interest rate and scale of operation is the key influencing factors.
出处
《农业经济问题》
CSSCI
北大核心
2017年第8期52-58,共7页
Issues in Agricultural Economy
