资源科学 ›› 2021, Vol. 43 ›› Issue (11): 2342-2355.doi: 10.18402/resci.2021.11.16

• 土地资源 • 上一篇    下一篇

普惠金融对农户宅基地退出行为的影响——基于成都市试点区域401份农户样本

孙乐1(), 苑韶峰2(), 朱从谋3   

  1. 1.浙江工商大学金融学院,杭州 310018
    2.浙江工商大学公共管理学院,杭州 310018
    3.浙江大学环境与资源学院,杭州 310058
  • 收稿日期:2021-06-03 修回日期:2021-08-02 出版日期:2021-11-25 发布日期:2022-01-27
  • 通讯作者: 苑韶峰,男,山西繁峙人,教授,博士生导师,研究方向为土地管理。E-mail: shaofengyuan1975@163.com
  • 作者简介:孙乐,女,山西临汾人,讲师,博士研究生,研究方向为土地经济学。E-mail: 181786379@qq.com
  • 基金资助:
    国家自然科学基金项目(41871181);浙江省社科联研究课题(2022N111)

Effect of inclusive finance on farming households’homestead exit:A case of 401 households in the pilot area of Chengdu City

SUN Le1(), YUAN Shaofeng2(), ZHU Congmou3   

  1. 1. School of Finance, Zhejiang Gongshang University, Hangzhou 310018, China
    2. School of Public Administration, Zhejiang Gongshang University, Hangzhou 310018, China
    3. School of Environment and Resource, Zhejiang University, Hangzhou 310058, China
  • Received:2021-06-03 Revised:2021-08-02 Online:2021-11-25 Published:2022-01-27

摘要:

研究普惠金融对农户宅基地退出行为的影响对于推进农村宅基地制度改革和促进乡村振兴具有重要意义。本文基于四川省成都市典型区域401份农户调查数据,采用因子分析法构建了微观层面的农村家庭普惠金融指数,运用Probit模型分析了普惠金融对农户宅基地退出行为的影响,探索了风险预期在影响中的中介作用,并进一步分析其影响的代际差异。结果表明:①普惠金融对农户宅基地退出行为具有显著的正向影响;②普惠金融通过中介变量风险预期间接影响农户宅基地退出行为,风险预期的中介效应占总效应的比例为17%;③新生代农户和老一代农户家庭层面的普惠金融对其宅基地退出行为都有显著的正向影响,但两者之间未发现存在明显的代际差异。本文认为,应基于家庭金融需求和供给双层面加大农村金融支持力度,提升农村普惠金融水平;引导农户形成合理的宅基地退出风险认知,并制定针对性的措施降低农户风险预期;加强政策引导,实现不同代际农户的金融知识共享,推动宅基地有序退出。

关键词: 普惠金融, 风险预期, 农户宅基地退出, Probit模型, 因子分析法, 成都市

Abstract:

Studying the impact of inclusive finance on farmers’ homestead exit behavior is of great significance to promote the reform of rural homestead system and rural revitalization strategy. Using the survey data in typical areas of Chengdu City, Sichuan Province, this study constructed farming households inclusive finance index by using factor analysis method from the micro level, adopted the Probit model to analyze the impact of inclusive finance on farming households' homestead exit decisions, explored the intermediary role of risk expectation in the impact, and further analyzed the intergenerational differences of the impact. The results show that: First, inclusive finance has a significant positive effect on household residential land exit behavior. Second, inclusive finance indirectly affected homestead exit through the intermediary variable risk expectation, and the intermediary effect of risk expectation accounted for 17% of the total effect. Third, inclusive finance of the new generation and the old generation both have a significant positive impact on the homestead exit behavior, but from the comparison between the two, there is no obvious intergenerational difference in the impact. Therefore, based on household financial demand and supply, we should increase rural financial support, enhance the level of inclusive finance, and guide farmers to form a reasonable risk perception towards homestead exit. We should also formulate targeted policies and measures for different generations of farmers to reduce their risk expectation, strengthen policy guidance and realize financial knowledge sharing among different generations and finally promote the orderly exit of rural homesteads.

Key words: inclusive finance, risk expectation, residential land exit, Probit model, factor analysis, Chengdu City