农业供应链金融视角的农户信贷约束缓解效应研究——来自湖南农户的经验证据

邹建国1; 2

农业供应链金融视角的农户信贷约束缓解效应研究——来自湖南农户的经验证据

引用本文：邹建国1,2.农业供应链金融视角的农户信贷约束缓解效应研究——来自湖南农户的经验证据[J].财经理论与实践,2023,(3):35-42

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作者	单位
邹建国1,2	（1.湖南省高等学校哲学社会科学重点研究基地乡村产业振兴研究中心，湖南衡阳 421002；2.衡阳师范学院经济与管理学院，湖南衡阳 421002）

中文摘要:采用多元多值非条件Logistic回归方法，依据湖南省50个县（市、区）1059个农户样本数据，考察农业供应链金融对农户信贷约束的缓解效应。结果显示：农户参与农业供应链金融能够缓解供给型与需求型农户信贷约束，缓解效应随着农户收入增长、金融发展和农户社会资本提升而减弱，机制检验证实了信息对称、信用等级、交易成本、抵押替代在缓解农户信贷约束过程中起到部分中介效应。鉴于此，需要在创新模式、优化环境以及加强引导上着力发展农业供应链金融。

中文关键词:农业供应链金融供给型信贷约束需求型信贷约束缓解效应

Research on the Mitigation Effect of Farmers’ Credit Constraints from the Perspective of Agricultural Supply Chain Finance—An Empirical Study Based on Hunan Farmers

Abstract:Using the multivariate multivalued unconditional logistic regression method, 1059 farmers from 50 counties (cities, districts) in Hunan Province were used as samples to empirically test the alleviating effect of agricultural supply chain finance on credit constraints of farmers. The results show that farmers’ participation in agricultural supply chain finance can alleviate the credit constraints of supply and demand farmers, and the mitigation effect weakens with the growth of farmers’ income, financial development and the improvement of farmers’ social capital. The mechanism test confirms that information symmetry, credit rating, transaction costs, and mortgage substitution play a part of the mesomeric effect in the process of alleviating farmers’ credit constraints. In view of this, it is necessary to focus on developing agricultural supply chain finance through innovative models, optimizing the environment, and strengthening guidance.

keywords:agricultural supply chain finance supply oriented credit constraints demand based credit constraints mitigation effect

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