论文部分内容阅读
本文基于四川省粮食主产区域农户调查数据,运用非线性逐步回归分析技术分别估计Tobit模型和Probit模型,实证考察粮食主产区域农民增收对农户正规信贷可得性的影响。结果显示,农民增收对农户正规信贷可得性具有双向影响,即农户人均收入增长在显著增加其正规信贷获得额的同时,也明显提高了自身面临的正规信贷约束程度。这表明现阶段中国广大农户在经济属性上已具备浓厚的理性小农色彩。该实证结论对于深刻理解国家近期出台的一系列农民就近创业扶持政策,都具有重要启示意义。
Based on the survey data of farmers in major grain-producing areas in Sichuan Province, this paper estimates Tobit model and Probit model respectively by using non-linear stepwise regression analysis, and empirically examines the impact of farmers’ income increase on the availability of regular credit of farmers. The results show that the increase of peasants has a two-way effect on the availability of regular credit of peasants, that is, the per capita income growth of peasants significantly increases the amount of their formal credit access and significantly increases the degree of formal credit constraints that they face. This shows that at this stage, the vast majority of Chinese peasants already have a strong rational small-scale peasant color in economic attributes. This empirical conclusion is of great significance for the profound understanding of a series of recent policies of peasant entrepreneurship in the country recently promulgated.