乡村振兴背景下新农人融资贷款规模影响因素研究——基于浙江省的调查数据
作者:
作者单位:

1.浙江农林大学经济管理学院;2.浙江农林大学经济管理学院,浙江省乡村振兴研究院;3.宣州区烟草产业发展中心

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基金项目:

国家社会科学基金项目(20BGL178)


Influencing factors of the financing loan scale of new farmers under the background of rural revitalization: Based on a survey data in Zhejiang Province
Author:
Affiliation:

1.College of Economics and Management, Zhejiang Agriculture and Forestry University;2.Tobacco Industry Development Center of Xuanzhou District

Fund Project:

National Social Science Foundation of China (20BGL178).

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    摘要:

    乡村振兴战略的深入实施使新农人成为浙江省现代农业发展的主力军,而提高融资贷款规模对破解新农人融资困境、促进其创业发展具有重要意义。本文基于行为经济学理论,利用2020年浙江省新农人实地问卷调查数据,采用多元线性回归模型和有序Logit模型,分析新农人融资贷款规模的影响因素,探讨不同创业经营类型的影响因素差异。结果表明,浙江省新农人融资贷款规模不大,以10万元~50万元为主,且合作经营与企业经营的新农人融资贷款规模大于个体经营的新农人。农业技术培训参与状况、中共党员身份、亲友在银行或信用社工作、年营业收入、互联网获取创业信息、互联网社交频率和政府创业补贴显著正向影响新农人融资贷款规模,而融资利息成本显著负向影响其融资贷款规模。从不同创业经营类型来看,农业技术培训参与状况、年营业收入、融资利息成本、互联网获取创业信息和政府创业补贴显著影响个体经营新农人的融资贷款规模,而中共党员身份、亲友在银行或信用社工作和互联网社交频率对合作经营与企业经营新农人的影响较大。据此,提出鼓励新农人参与农业技术培训、完善农村互联网服务体系、制定差异化的金融支持政策等建议,助力新农人提升融资贷款能力和规模。

    Abstract:

    With the in-depth implementation of the rural revitalization strategy, new farmers have become the main force in the development of modern agriculture in Zhejiang Province. Increasing the financing loan scale of new farmers is critical to solve their financing dilemma and to promote their entrepreneurial development. Based on the theory of behavioral economics and a field questionnaire survey data of new farmers in Zhejiang Province in 2020, this paper empirically analyzed the influencing factors of new farmers’ financing loan scale and discussed the differences in influencing factors between different types of entrepreneurial operations by the multiple linear regression model and the ordered logit model. Results show that: 1) new farmers’ financing loan scale in Zhejiang Province is small, which is mainly concentrated in the range of 100,000 to 500,000 yuan, and new farmers in cooperative and enterprise management have a larger financing loan scale than that of new farmers with individual operation; 2) participation in agricultural technology training, the identity of the Communist Party of China, relatives and friends working in banks or credit unions, annual operating income, Internet access to entrepreneurial information, Internet social frequency and government entrepreneurship subsidies have significant positive impacts on new farmers’ financing loan scale, while financing interest cost has a negative impact on their financing loan scale; and 3) from the perspectives of different types of entrepreneurial operations, participation in agricultural technology training, annual operating income, financing interest cost, Internet access to entrepreneurial information and government entrepreneurship subsidies significantly affect the financing loan scale of new farmers with individual operation, while the identity of the Communist Party of China, relatives and friends working in banks or credit unions and Internet social frequency have greater impacts on new farmers in cooperative and enterprise management. Accordingly, to increase new farmers’ financing loan scale and ability, this paper provides some policy suggestions, including encouraging new farmers to participate in agricultural technology training, improving rural Internet service system, and formulating differentiated financial support policies.

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  • 收稿日期:2021-11-30
  • 最后修改日期:2022-03-21
  • 录用日期:2022-03-22
  • 在线发布日期: 2022-05-09
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