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本文基于江苏省阜宁县生猪供应链上的农户调查数据,运用Heckman模型实证分析了供应链内部融资与农户信贷可获性的关系。研究表明,在第一阶段中农户参与供应链内部融资的可能性受农户个体特征、生产经营特征、订单条款特征因素的影响,并且不同因素的影响大小存在差异。在第二阶段中农户是否是本地人、是否是村干部、养殖规模、订单履约比例和沟通次数均通过了显著性检验、影响为正;家庭总资产和农户获得的银行信用这两个变量通过了显著性检验、影响为负。供应链内部融资规模与银行信用之间的替代程度为61.04%,说明供应链内部融资是一条拓宽农户信贷可获性的路径,可以显著缓解农户受到的信贷约束。
Based on the survey data of farmers in the supply chain of pigs in Funing County, Jiangsu Province, this paper empirically analyzes the relationship between the internal financing of supply chain and the availability of credit to farmers using Heckman model. The research shows that in the first stage, the possibility of farmers participating in the supply chain internal financing is affected by individual characteristics of farmers, characteristics of production and management, and characteristics of order terms, and the influence of different factors is different. In the second stage, whether the rural households are local people, whether they are village cadres, the scale of farming, the proportion of order fulfillment and the number of communication all passed the significance test, the impact is positive; the total assets of households and the bank credit obtained by farmers passed the two variables The significance test, the impact is negative. The degree of substitution between the internal financing scale and bank credit in the supply chain is 61.04%, which shows that internal financing in the supply chain is a way to broaden the availability of credit to farmers and can significantly ease the credit constraints on farmers.