西北农林科技大学学报社会科学版

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黄思光

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2001年1月

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西北农林科技大学

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中华人民共和国教育部

国内统一刊号：
CN 61-1376/C

国际标准刊号：
ISSN 1009-9107

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712100 陕西杨凌西北农林科大北校区34信箱

苏雪,张莉琴.共同富裕目标下小额贴息贷款与低收入农户生产经营[J].西北农林科技大学学报(社会科学版),2026,26(1):116~127

共同富裕目标下小额贴息贷款与低收入农户生产经营

Micro-discount Loan and Production of Low-income Farmers Under the Goal of Common Prosperity

DOI：

中文关键词: 共同富裕常态化帮扶小额贴息贷款低收入农户生产经营

英文关键词:common prosperity normalized assistance micro-discount loan low-income farmers production and operation

基金项目:研究阐释党的二十届三中全会精神国家社会科学基金重大专项(24ZDA053)

作者	单位
苏雪	(1.中国农业大学经济管理学院,北京 100083 2.中国邮政储蓄银行博士后科研工作站,北京 100808 3.中国人民大学博士后科研流动站,北京 100872)
张莉琴	(1.中国农业大学经济管理学院,北京 100083)

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中文摘要:

基于中西部15个省(自治区)2 872份农户的微观调查数据,综合运用OLS法和工具变量法等,检验小额贴息贷款对低收入农户生产经营的影响。从政策组合视角考察信贷帮扶政策精准性,并检验小额贴息贷款通过增加生产经营投入缓解自然灾害风险的效果。通过与商业贷款的比较,进一步探究小额贴息贷款促进农户发展生产的效果。研究结果表明:小额贴息贷款对农户种植规模和生产经营投入均有显著正向影响;小额贴息贷款与其他产业帮扶政策的组合并不一定产生协同效应;小额贴息贷款有助于通过增加生产经营投入缓解农户受到自然灾害的风险;小额贴息贷款促进农户增加生产经营投入的效果弱于商业贷款。基于此,在当前扎实推进共同富裕阶段,仍有必要对低收入农户开展常态化信贷帮扶,但需要通过完善政策设计和优化帮扶政策组合,增强低收入农户内生发展动力,提升信贷帮扶的精准性、有效性和可持续性。

英文摘要:

Based on the survey data of 2 872 farmers in 15 provinces in the central and western regions,the OLS method and instrumental variable method are used to test the influence of micro-discount loan on the production of low-income farmers.Then,this paper examines the accuracy of credit assistance policy from the perspective of policy combination,and tests the effect of micro-discount loan on mitigating natural disaster risks by increasing production investment.Finally,by comparing with commercial loans,we further explore the effect of micro-discount loan on promoting farmers’ production.The results show that:micro-discount loan has a significant positive impact on farmers’ planting scale and production investment;The combination of micro-discount loan and other agricultural industrial assistance policies may not necessarily produce synergistic effects;Micro-discount loan can alleviate farmers’ risk of natural disasters by increasing investment in production;The effect of micro-discount loan on increasing farmers’ investment in production is less than that of commercial loans.Based on this,it is still necessary to carry out normalized credit assistance to low-income farmers to solidly promote the stage of common prosperity.However,it is necessary to enhance the endogenous development momentum of low-income farmers and improve the accuracy,effectiveness and sustainability of credit assistance by improving policy design and optimizing the agricultural industry assistance policy mix.

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