农业供应链金融视角的农户信用增进研究

基于核心企业的横向选择、横向监督和商业激励行为，采用“主体+债项”的评价方法，综合主成分分析法和Logistic回归方法，考量农业供应链金融的农户信用增进机制。结果表明：农业供应链金融能显著提高农户的守约概率，实现农户的信用增进。鉴此，应转变农户信用风险评价方式，构建内外部增信机制，发展农业供应链金融，缓解农户信贷约束。

Study on the Rural Household Credit Enhancement from the Perspective of Agricultural Supply Chain Finance

Based on the horizontal selection, horizontal supervision and commercial incentive behavior of core enterprises, this paper discusses the credit enhancement mechanism of farmers in agricultural supply chain finance. Using the evaluation method of "subject + debt", the credit risk of farmers in agricultural supply chain finance is measured by the comprehensive principal component analysis and Logistic regression. The results show that agricultural supply chain finance can significantly improve the probability of farmers'' compliance and enhance their credit. Therefore, it is particularly important to change the credit risk assessment methods of farmers, build various internal and external credit enhancement mechanisms, and vigorously develop agricultural supply chain finance to alleviate the constraints on farmers'' credit.