农业信贷支持对农村居民消费支出的影响--基于省级面板数据的实证分析

利用中国2001—2009年的省级面板数据，分析农业信贷支持对农村居民消费支出的影响，结果表明：农业信贷支持对农村居民消费支出的提高具有正向影响，在控制一系列经济社会因素后，农业信贷支持水平每提高1％，农村居民人均消费支出将提高0.146％；但是，与民生支出和财政支农支出相比，农业信贷支持对农村消费支出的促进作用较小，未能发挥应有作用；此外，我国农业信贷支持对农村居民消费支出的影响存在区域差异，对中部地区的影响最强，而对东部地区的影响最弱。提高农业信贷支持对农村居民消费的促进作用，应创新信用模式，丰富农村信贷产品种类；简化贷款流程，提高农村金融整体效率；立足区域经济发展差异，建立健全农业信贷体系。

The Impact of Rural Credit Support on Rural Resident Consumption Expenditure-Empirical analysis based on Provincial Panel Data

This paper empirically analyzes the impact of rural credit support on rural resident consumption expenditure by using provincial panel data of China during 2001—2009.The result shows that rural credit support has a positive impact on rural resident consumption expenditure growth.Specifically,in the control of a series of economic and social factors,every 1% increase of rural credit support will lead 0.146% growth of rural resident per capita consumption expenditure.However,compared with the livelihood expenditure and the fiscal expenditure on supporting agriculture,rural credit support has less impact on rural resident consumption expenditure,which doesn’t play its due role.In addition,the impact of rural credit support on rural resident consumption expenditure is different from region to region with maximal impact in central area and minimal impact in the east area.In order to promote the impact of rural credit support on rural resident consumption expenditure,credit model should be innovated,rich rural financial products should be provided,loan process should be simplified to promote rural financial efficiency,agricultural credit system should be constructed and improved based on the regional difference of economic development.