安徽农业科学

农地流转是实现农业现代化的基础条件之一，有效推动农业生产规模化。基于新疆阿克苏地区287份棉花种植户的调查数据，借助倾向得分匹配(PSM)模型和中介效应模型等计量方法，深度分析农地流转对农户信贷需求的影响。结果表明，农地流转对农户信贷需求具有显著的影响，有效提高农户信贷需求；劳动分工在农地流转影响农户信贷需求的过程中发挥中介作用，增加农户信贷需求；异质性分析中，规模户农地流转的信贷需求效应高于小农户。因此，未来农村信贷体系建设过程中需要加强规模户信贷支持，创新农地经营权抵押贷款模式，优化信贷政策外部环境，优化对新型职业农户培养方式，进而提高农户收入，有效推动农业现代化进程。

Farmland transfer is one of the fundamental conditions for achieving agricultural modernization and effectively promoting the scale of agricultural production. Based on the survey data of 287 cotton-growing households in Aksu Prefecture, Xinjiang, this paper uses the propensity score matching(PSM) model and the mediation effect model and other econometric methods to deeply analyze the impact of land transfer on farmers' credit demand. The results show that land transfer has a significant impact on farmers' credit demand and effectively increases it. Labor division plays a mediating role in the process of land transfer affecting farmers' credit demand and increases farmers' credit demand. In the heterogeneity analysis, the credit demand effect of land transfer for large-scale farmers is higher than that for small-scale farmers. Therefore, in the future process of rural credit system construction, it is necessary to strengthen credit support for large-scale farmers, innovate the mortgage loan model of land management rights, optimize the external environment of credit policies, and optimize the training methods for new professional farmers, thereby increasing farmers' income and effectively promoting the process of agricultural modernization.