Empirical Analysis of the Impact of Loans on Herdsmen Household Income——Based on Panel Data from 100 Fixed Survey Households
In order to clarify the impact of loan amount on herdsmen household income,this article surveyed herdsmen households in cashmere goats core breeding area in Ordos City from 2020 to 2022 and explored the impact mechanisms using the random effect model and mediation effect tests.The results showed that the amount of herdsmen household loans in the Ordos region not only directly promoted their operational income,but also indirectly promoted operational income by increasing animal husbandry expenditure.Animal husbandry expenditure had significant mediating effects between herdsmen household loans and income.There was a mechanism of"herdsmen household loan-animal husbandry expenditure-income increase".In view of this,the local financial institutions should vigorously develop productive loans for herdsmen to meet the animal husbandry expenditure;local governments and social organizations should actively train herdsmen to use loan funds reasonably,provide guarantees for their loans,encourage finance companies to issue agricultural and animal husbandry loans,and provide credit and loan support for herdsmen household animal husbandry production.
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