正规信贷对牧民家庭消费的影响：来自中国青藏高原的证据

doi:10.1016/j.jia.2023.08.013

摘要/Abstract

摘要：

正规信贷可帮助农民增加生产投入、促进消费、提高福利，对农牧业生产十分重要。在中国牧区，正规金融机构数量逐步增多，然而鲜有研究关注正规信贷如何影响牧民的家庭消费。基于对青藏高原牧区544个牧户的调研，本研究采用倾向性得分匹配法探究正规信贷对牧民的家庭总消费、生活性消费和生产性消费的影响。结果表明，年龄、草地能否抵押等变量显著影响牧民是否参与正规信贷。正规信贷可以显著提升家庭消费，尤其是生产性消费。异质性分析表明，正规信贷对富裕程度较高的牧民家庭的家庭总消费影响较大，而对富裕程度较低的牧民家庭的生产性消费影响较大。此外，中介效应分析表明，正规信贷可以通过影响牧民的家庭收入进而影响家庭消费。最后，本研究探讨了制定适宜的信贷政策以增加牧民信贷可得性等政策建议。

Abstract: Formal credit is critical in agricultural production, allowing more expenditure and productive input, thereby improving farmers’ welfare. In pastoral China, formal financial institutions are gradually increasing. However, a limited understanding remains of how formal credit affects herders’ household expenses. Based on a survey of 544 herders from the Qinghai–Xizang Plateau of China, this study adopted the propensity score matching approach to identify the effect of formal credit on herders’ total household expenses, daily expenses, and productive expenses. The results found that average age, grassland mortgage, and other variables significantly affected herders’ participation in formal credit. Formal credit could significantly improve household expenses, especially productive expenses. A heterogeneity analysis showed that formal credit had a greater impact on the household total expense for those at higher levels of wealth; however, it significantly affected the productive expense of herders at lower wealth levels. Moreover, the mediating effect indicated that formal credit could affect herders’ household income, thus influencing their household expenses. Finally, this study suggests that policies should improve herders’ accessibility to formal credit.

Key words: formal credit , herders , expense , Qinghai-Tibet Plateau

. 正规信贷对牧民家庭消费的影响：来自中国青藏高原的证据[J]. Journal of Integrative Agriculture, 2024, 23(5): 1774-1785.

Yan Zhang, Yi Huang, Fan Zhang, Zeng Tang.

Effects of formal credit on pastoral household expense: Evidence from the Qinghai–Xizang Plateau of China [J]. Journal of Integrative Agriculture, 2024, 23(5): 1774-1785.

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