闫啸,牛荣,李芸

• 1:西北农林科技大学经济管理学院

摘要(Abstract)：

农户农地经营权抵押贷款决策是一个基于成本-收益分析的自选择过程，因此，在估测抵押贷款产生的收入效应时，必须纠正样本选择偏差导致的内生性问题。本文以农地产权抵押贷款典型试点区宁夏平罗县农户为样本，运用内生转换回归模型(ESRM)消除自选择偏误和内生性问题，考察农地经营权抵押贷款对农户总收入、农业收入和非农收入的影响。结果表明，农地经营权抵押贷款对农户总收入、农业收入和非农收入增长均有显著正向促进作用，且农地经营权抵押贷款对非农收入的促进作用大于对农业收入的促进效应。基于此，本文提出持续推进农地经营权抵押贷款的政策建议，促进农地经营权抵押贷款进一步推广落实，更好地激发农村地区开展农地抵押贷款的积极性，有效发挥农地经营权抵押贷款的增收作用，提高农户收入，实现共同富裕。

关键词(KeyWords)： 农地经营权抵押贷款;自选择;农户收入;内生转换模型

Abstract:

Keywords:

基金项目(Foundation): 国家自然科学基金项目“农地经营权抵押贷款信贷约束检验与模式优化研究——基于农户分化视角”（项目编号：71603208）;; 陕西省社会科学基金项目“基于合作金融视角的农户与新型经营主体利益联结机制研究”（项目编号：2019D030）的资助

作者(Author): 闫啸,牛荣,李芸

DOI: 10.16513/j.cnki.cje.20220919.001

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• (1)本文选择贷款经历和农地经营权抵押贷款政策认知程度作为待选工具变量。由于篇幅限制,回归结果未报告,如有需要可联系作者索取。