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本文根据中国家庭金融调查发布的微观调查数据,研究了农户的借贷状况及其收入效应。结果表明,能够获得贷款的农户比例还比较小,相当多具有借贷需求的农户没有得到贷款支持;贷款对农户收入具有显著的促进作用,对于农户收入水平提高的效果更加显著;而利用多值处理效应模型检验不同借贷状况对农户收入的影响,可以看到民间借款和银行贷款都能提高农户收入水平,二者的收入效应差别不大,但是在低收入水平上借贷的收入效应并不显著。
Based on the micro-survey data released by China’s Family Financial Survey, this paper studies the status of rural households’ borrowing and their income effects. The results show that the proportion of peasant households that can get loans is still relatively small, and a considerable number of peasants who have borrowing needs are not supported by loans. The loans have a significant promotion effect on the peasants ’income and the peasants’ income levels are more significant. However, The effect model examines the impact of different borrowing conditions on the income of farmers. It can be seen that both private borrowing and bank loans can increase the income level of farmers. The income effect of the two is not very different, but the income effect of borrowing at low income level is not significant.