农户产业链参与对信贷获得的影响

本文基于吉林省820户农户的调查数据，使用倾向得分匹配法、二元选择模型和归并回归模型分析农户产业链参与行为对其信贷可得性和信贷规模的影响。结果表明：农户参与产业链对其信贷可得性和信贷规模具有显著正向作用，其机制在于农户订单生产和技术水平提升能够促进信贷获得。考虑到中国农户的异质性，按农户的耕地面积将农户分为规模大户和传统小户，分析结果显示，规模大户参与产业链行为对其信贷规模无显著影响，而传统小户参与产业链行为对其信贷规模有显著正向作用。根据本文研究结果，加快现代农业产业体系构建，强化产业链对小农户的吸纳作用，优化农业产业链金融服务，应成为政策选择上的重点。

The Impact of Industry Chain Participation of Rural Households on Credit Availability

Based on the investigation data of 820 rural households in Jilin Province, this paper uses the propensity score matching, the binary model and the censored regression model to analyze the influence of industrial chain participation behavior of rural households on their credit availability and credit scale. The results show that their industrial chain participation has a significant and positive effect on their credit availability and credit scale, reflecting that the improvement of their order production and technical level can promote credit availability. Considering the heterogeneity in China, rural households are divided into the large-scale and the traditional small-scale according to their cultivated land area, and the results show that the participation behavior of the large-scale has no significant effect on their credit scale, while that of the traditional small-scale has a significant and positive effect. According to the empirical results, policy selection should put more emphasis on accelerating the construction of modern agricultural industries, strengthening the absorption effect of the industry chain on small-scale rural households, and optimizing financial services in the agricultural industry chain.