摘要
牧户金融服务可得性对缓解牧区生计风险冲击、促进畜牧业高质量发展具有重要意义。基于可持续生计发展框架,文章利用四川省若尔盖草原648个牧户调研数据,实证分析牧户金融资本对其金融服务可得性的影响。研究发现:金融资本对牧户金融服务可得性具有显著的正向影响,具体而言,金融资本对牧户银行信贷和牲畜保险的可得性均具有显著促进作用;牧户自然生计风险承受力在金融资本与牧户银行信贷获取之间具有中介效应,中介效应量为0.072,自然生计风险承受力在金融资本与牧户牲畜保险获取之间不存在明显的遮掩效应;金融资本在促进牧户金融服务可得性上不存在“精英俘获”现象,即金融资本对牧户金融服务可得性的正向影响在低收入水平和低受教育程度的牧户群体内更显著。
The availability of financial services for pastoralists is of great significance in mitigating the impact of livelihood risks in pastoral areas and realizing high-quality development of the livestock sector.Based on the Sustainable Livelihood Approach,the paper empirically analyzes the impact of financial capital on the availability of financial services by using the research data of 648 herders in Ruoergai Grassland,Sichuan Province.The results show that:the financial capital of pastoralists has a significant positive effect on the availability of their financial services,specifically,the financial capital of pastoralists has a significant positive effect on their access to both bank credit and livestock insurance;natural livelihood risk tolerance has a mediating effect between financial capital and bank credit access,with a mediating effect size of 0.072,and there is no significant suppressing effect of natural livelihood risk tolerance between financial capital and livestock insurance access;there is no“elite capture”in contributing to the availability of financial services.Specifically,the positive effect of financial capital on the availability of financial services is more pronounced in the group of pastoralists with low income levels and low levels of education.
作者
蒋振
高雅罕
宁鹏飞
JIANG Zhen;GAO Ya-han;NING Peng-fei
出处
《科学决策》
CSSCI
2024年第12期215-232,共18页
Scientific Decision Making
基金
内蒙古自治区社会科学院2024年度新进博士科研支持专项课题“农户对秸秆综合利用生态补偿的行为响应研究”(2024SKYBS1205)。
关键词
金融资本
自然生计风险承受力
金融服务可得性
银行信贷
牲畜保险
financial capital
natural livelihood risk tolerance
availability of financial services
bank credit
livestock insurance
