正规金融、非正规金融与农户生产经营风险——基于CHFS数据的实证研究

孙继国; 王  倩; 胡金焱

正规金融、非正规金融与农户生产经营风险——基于CHFS数据的实证研究

引用本文：孙继国，王倩，胡金焱.正规金融、非正规金融与农户生产经营风险——基于CHFS数据的实证研究[J].财经理论与实践,2020,(6):27-34

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作者	单位
孙继国，王倩，胡金焱	（青岛大学经济学院，山东青岛 266061）

中文摘要:基于CHFS 2015年数据，运用Logit模型剖析农户参与正规金融和非正规金融的影响因素，采用倾向得分匹配法（PSM）系统分析正规金融、非正规金融对农户生产经营风险的化解效应。结果显示：农户的性别、年龄、受教育程度、婚姻状况、健康状况、家庭人口规模、家庭人均收入等因素显著影响农户参与金融借贷；正规金融能够显著化解农户生产经营风险，且对35岁以上的农户、非贫困户、高收入家庭、西部地区农户等群体所起的作用更为显著；非正规金融在农户生产经营风险化解中发挥的作用有限。正规金融能够通过促进农户创业来化解农户生产经营风险。

中文关键词:正规金融非正规金融农户生产经营风险倾向得分匹配法

Formal Finance, Informal Finance and Farmers' Production and Management Risks——An Empirical Study Based on CHFS Data

Abstract:Based on the data of CHFS2015, the Logit model is used to analyze the influencing factors of farmers' participation in formal finance and informal finance, and the propensity score matching method is used to analyze the mitigation effect of formal finance and informal finance on farmers' production and management risks. It is found that farmers' participation in financial lending is significantly affected by factors such as gender, age, education, marital status, health status, family population size, family per capita income and so on. Formal finance can significantly resolve the production and management risks of farmers, and plays a more significant role in over 35-year-old farmers, non-poor households, high-income families, farmers of western region and other groups. Informal finance plays a limited role in resolving the risks of farmers' production and management; it is found that formal finance can resolve the production and management risks of farmers by promoting farmers' entrepreneurship.

keywords:formal finance informal finance farmers' production and management risks PSM

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