本文關鍵詞：使用權確權與農村金融——以養(yǎng)殖證對漁戶貸款可得性的影響為例　出處：《經濟學動態(tài)》2017年10期 　論文類型：期刊論文

  更多相關文章： 使用權確權 貸款可得性 養(yǎng)殖證 政府擔保

【摘要】：基于實地調查數(shù)據(jù),本文考察了水域灘涂養(yǎng)殖證對漁戶貸款可得性的影響。研究結果表明,養(yǎng)殖證對漁戶貸款可得性具有顯著促進作用,并增加了漁戶選擇養(yǎng)殖高風險高收入水產品的概率。進一步分析表明,養(yǎng)殖證提升了漁戶從正規(guī)金融機構獲取貸款的能力,但對漁戶從親戚朋友、非正規(guī)金融機構以及其他借款渠道獲得借款的能力并無顯著影響;此外,經營權產權界定程度與漁戶貸款可得性之間也沒有表現(xiàn)出顯著相關關系。這些結果表明,在現(xiàn)階段,養(yǎng)殖證對漁戶貸款可得性的提升作用主要是因為在養(yǎng)殖證制度建設過程中政府擔保的出現(xiàn),而非養(yǎng)殖證所體現(xiàn)的水域灘涂養(yǎng)殖使用權確權。這些結果的政策含義是,僅僅依靠確權并不能有效解決農村信貸約束問題,確權作用的有效發(fā)揮還需其他配套制度的跟進。
[Abstract]:Based on field survey data, this paper examines the aquaculture license availability impact on fishermen loans. The results show that the aquatic breeding certificate has significant promoting effect of the fishermen loans and increase the probability of selection of fishermen, breeding of high risk and high income of the aquatic products. Further analysis shows that the aquaculture permits to enhance the ability of acquiring fishermen loans from formal financial institutions, but the fishermen from friends and relatives, the informal financial institutions and other channels to obtain loan borrowing capability is no significant effect; in addition, the definition of property rights and management rights of fishermen loan availability also showed no significant correlation. These results indicate that in the present stage, the fishermen breed card to enhance the role of the loan is mainly because of government guarantees in process of aquaculture permits in the construction of the system, rather than by culture embodied the fishery right to use. The policy implication of these results is that only relying on the right to confirm can not effectively solve the problem of rural credit constraints, and the effective play of the right function needs the follow-up of other supporting systems.

【作者單位】： 中國人民大學農業(yè)與農村發(fā)展學院;
【基金】：中國人民大學科學研究基金(中央高�；究蒲袠I(yè)務費專項資金資助)項目“中國農村‘宗教熱’的經濟學分析:基于社會保障視角”(17XNI007)成果資助
【分類號】：F326.4;F832.43
【正文快照】： 一、引言產權清晰被視為市場有效運行的前提,也是獲取經濟效率的關鍵。在此背景下,作為農村產權制度改革基礎的土地確權工作在全國范圍內被推廣開來。這一工作產生了許多積極影響,激發(fā)了農戶長期投資的熱情(黃季q、冀縣卿,2012),有效促進了土地經營權的流轉(程令國等,2016)。，

本文編號：1398771