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本文基于四川省16农业大市32农业大县农户系统调查数据,采用Tobit模型和Probit模型实证考察了四川粮食主产区域农户收入增长对其正规信贷可得性的影响效应,并在此基础上检验了当前四川传统农区农户的经济属性。全样本研究表明:农民增收有助于增加农户正规信贷获得额,但未能有效缓解农户面临的正规信贷约束,还明显加重了这一约束;而分位数回归结果显示,只有高收入农户增收才显著增加其正规信贷获得额,也只有中等收入农户增收才会加剧自身的正规信贷抑制。显然,低收入农户比较接近于生存小农,而中、高收入农户更贴近理性小农。在推进农村金融改革和农村金融制度创新中,应高度重视并切实搞好面向中等收入农户的信贷服务工作。
Based on the data of 32 farmer households surveyed in 16 agricultural big cities in Sichuan Province, Tobit model and Probit model are used to empirically examine the effect of income growth of farmers in main grain producing regions of Sichuan on the availability of regular credit. Based on this, It tests the economic properties of the farmers in the traditional agricultural areas of Sichuan. The full sample study shows that increasing peasants ’income helps to increase the amount of farmers’ regular credit, but it can not effectively ease the formal credit constraints that peasants face. It obviously aggravates this constraint. The quantile regression shows that only high-income peasants increase income It can significantly increase the amount of its formal credit, and only increase the income of middle-income farmers will exacerbate its own formal credit repression. Obviously, low-income farmers are relatively close to the survival of small farmers, and middle and high-income farmers closer to rational small farmers. In promoting rural financial reform and rural financial system innovation, we should attach great importance to and do a good job in providing credit services to middle-income farmers.