标题： 农民借贷行为对农业生产技术效率的影响 显示英文标题

标题： The Impact of Farmers' Borrowing Behavior on Agricultural Production Technical Efficiency

摘要： 农民贷款政策的有效性对于农业的高质量发展和乡村振兴战略的有序推进至关重要。 探索农民借贷行为对农业生产技术效率的影响具有重要的实际价值。 本文利用2020年中国家庭追踪调查（CFPS）的数据，并应用随机前沿分析（SFA）和Tobit模型进行实证分析。 研究发现，农民的借贷行为对农业生产技术效率有积极影响，这种影响在低收入农民中尤为明显。 此外，本文进一步探讨了家庭特征，如户主年龄、性别、教育水平以及家庭中女性比例与农业生产技术效率之间的关系。 研究结果为优化农村金融服务体系和提高农业生产技术效率提供了政策建议。 显示英文摘要

摘要： The effectiveness of farmer loan policies is crucial for the high-quality development of agriculture and the orderly advancement of the rural revitalization strategy. Exploring the impact of farmers' borrowing behavior on agricultural production technical efficiency holds significant practical value. This paper utilizes data from the 2020 China Family Panel Studies (CFPS) and applies Stochastic Frontier Analysis (SFA) along with the Tobit model for empirical analysis. The study finds that farmers' borrowing behavior positively influences agricultural production technical efficiency, with this effect being especially pronounced among low-income farmers. Additionally, the paper further examines household characteristics, such as household head age, gender, educational level, and the proportion of women in the family, in relation to agricultural production technical efficiency. The findings provide policy recommendations for optimizing rural financial service systems and enhancing agricultural production technical efficiency.