摘要
本文利用2003年约3000户农村家庭的抽样调查数据,从实证角度考察了我国农村正式金融机构向农户提供信贷服务时的配给行为。论文采用联立离散选择模型,较好地描述了农户贷款需求和银行贷款供给的相互作用。结果表明,我国农户面临着严重的信贷约束,一半以上具备有效需求的农户由于信贷配给无法得到正式机构的贷款。政府干预和信息不对称是造成农村信贷配给的重要原因,银行和信用社对农户的贷款决策主要决定于政府的农村金融政策。为改善农村信贷抑制程度,政府必须推动金融机构的进一步改革。
This paper utilizes a survey of about 3000 households in China, estimated the extent of rural credit rationing empirically. We use simultaneous discrete choice model which describes the interaction between farmer demand and bank supply. The results show that farmers face severe credit constraints in China, more than half of the farmers who have effective demand are rationed out of formal credit markets. Government intervention and information asymmetry are important source of rural credit rationing. The supply behavior of formal rural financial institutions in China mainly depends on government＇s rural credit policy. In order to relieve the extent of credit ration, government should promote the reform of financial institution.
出处
《数量经济技术经济研究》
CSSCI
北大核心
2006年第3期37-49,共13页
Journal of Quantitative & Technological Economics
基金
科研院所社会公益研究专项资金资助的研究项目"粮食主产区农民收入动态监测"的一部分。
关键词
农村金融
信贷配给
联立离散选择模型
Rural Credit
Credit Ration
Simultaneous Discrete Choice Model
