| 摘要: |
| 目的 农村“三权”抵押贷款融资会改变农户生计资本的储量和组合形式，从而使得农户的生计策略发生变化，进而影响其生计结果。研究农村“三权”抵押贷款融资对农户生计策略的影响，为政府更好地精准扶贫，完善农村金融创新制度提供实证依据，具有必要性和现实意义。方法 文章以重庆城乡统筹试验区5个县（市、区）562户农户问卷为样本数据，通过建立Probit回归模型来分析农村“三权”抵押贷款融资对农户生计策略的影响。结果 农村“三权”抵押贷款融资政策实施后，研究区农户务农的比例下降，当地打工的比例有所上升，外出打工和个体经营成为他们的主要生计策略；参与农村“三权”抵押贷款融资的农户进行务农和外出打工的概率显著低于没有参与的农户；参与农村“三权”抵押贷款融资农户进行当地打工和个体经营的概率显著高于没有参与的农户。结论 当地政府在继续推广农村“三权”抵押贷款融资的同时，应帮助农户了解和认知参与农村“三权”抵押贷款融资的相关政策，提高农户“三权”抵押贷款融资的参与度，并且对“三权”抵押贷款机制进行拓展，使其能够用于更多的产业发展，为农户提供更多的当地就业机会；同时，当地政府应加强致力于教育发展和大力度营造良好的外部基础设施环境，并利用当地区域产业优势资源合理引导农户寻求适合自身情况的生计发展模式，实现农户脱贫致富及其生计可持续发展。 |
| 关键词: 农户生计策略 农村“三权”抵押 重庆城乡统筹试验区 |
| DOI：10.7621/cjarrp.1005-9121.20210215 |
| 分类号:F590.3 |
| 基金项目:国家社科基金“贫困山区脱贫农户生计风险及可持续生计保障研究”（20BTY166）；重庆市教委人文社科项目“重庆城乡统筹试验区三权抵押对农户生计的影响研究”（19SKGH076）；教育部人文社科青年项目“恢复力视角下三峡水库生态屏障区农户生计持续研究”（18YJCZH227）；重庆市教委科技项目“乡村旅游开发前后农户生计资本差异对其生活满意度的影响研究——以重庆城乡统筹试验区为例”（KJQN201800803）；重庆市社科规划一般项目“重庆乡村旅游多功能发展与农村可持续生计协同研究”（2018YBJJ035）；重庆市社科规划一般项目“重庆岩溶地区生态—贫困耦合协同研究及生态扶贫的路径选择”（2017YBGL161）；重庆市教委哲学社会科学重大理论研究阐释专项项目“重庆推进山清水秀美丽之地建设研究”（19SKZDZX10） |
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| THE IMPACT OF RURAL THREE RIGHTS MORTGAGE FINANCING ON FARMERS’ HOUSEHOLD LIVELIHOOD STRATEGIES*——BASED ON SURVEY DATA OF 562 HOUSEHOLDS IN 5 DISTRICTS AND COUNTIES IN CHONGQING'S URBAN AND RURAL PILOT AREA |
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Xiao Yi1, Yin Ke2
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1.College of Public administration, Chongqing Technology and Business University, Chongqing 400067, China;2.College of Geographical and Travel, Chongqing Normal University, Chongqing 400047, China
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| Abstract: |
| The rural three rights mortgage financing will change the reserves and combinations of the farmers' livelihood capital, which will change the farmers' livelihood strategies and affect their livelihood results. It is necessary and practical to study the impact of rural three rights mortgage financing on farmers' livelihood strategies, and provide evidence for the government to better and accurately alleviate poverty and improve rural financial innovation system. The paper took 562 farmers' households questionnaires from 5 counties (cities and districts) in Chongqing's urban and rural pilot areas as sample data, through the establishment of probit regression model to analyze the impact of rural three rights mortgage financing on farmers' household livelihood strategies. The measurement results showed that: the probability of farmers' household participating in the rural three rights mortgage financing for carry out agricultural work and go out for work were significantly lower than that of the non-participating farmers' household; The probability of farmers' household participating in the rural three rights mortgage financing for local work and self-employed were significantly higher than that of the non-participating farmers' household. In summary, on the one hand, the government should step up publicity to raise farmers' household awareness of and participation in policies, increase the participation of farmers in the three-right mortgage loan financing, and expand the three-right mortgage mechanism to enable it to be used for more industrial development and provide more local employment opportunities for farmers; On the other hand, the government should strengthen the construction of external infrastructure and make use of superior resources to create unique industrial modes. At the same time, it provides farmers' household with technical and tax support and guides them to seek ways of industrial development suited to their own resources, so as to realize the farmers' household out of poverty and farmers' household livelihood strategies sustainable development. |
| Key words: household livelihood strategies three rights mortgage Chongqing's urban and rural pilot area |
