村庄治理、融资和消费保险:来自8省49村的经验证据被引量：26

Governance, Finance and Consumption Insurance:Evidence from Chinese Villages

导出

摘要本文研究个人和社会风险分担机制对中国农民消费保险的影响。运用1400户家庭的独特面板数据,我们发现消费保险在下列情况下比较完全:(1)家庭拥有较多的财产;(2)村庄通过选举产生村领导;(3)村民可以获得非正规贷款。另外,获得银行贷款不会影响消费保险。这些发现表明了本地信息和村庄治理在保障农村消费保险方面的重要性,并对社会主义新农村建设具有参考价值。 We examine how consumption insurance of rural residents in China is affected by several private and social mechanisms for risk sharing. Using a unique panel data of 1400 households, we find that consumption insurance is more complete when (i) the households have more assets, and (ii) when the households live in smaller villages or those with elected village leaders, and when they have access to informal loans. Interestingly, while access to informal finance improves consumption insurance, access to bank loans has no such effects. These findings all suggest the importance of local information and decentralized governance for ensuring rural consumption insurance.

作者甘犁徐立新姚洋

机构地区德克萨斯农工大学世界银行研究局北京大学中国经济研究中心

出处《中国农村观察》 CSSCI 北大核心 2007年第2期2-13,37,共13页 China Rural Survey

基金世界银行(项目编号RF-P087657) 中华医学会和211项目的资金支持

关键词消费保险健康村庄选举融资

分类号 F126.1 [经济管理—世界经济]

引文网络
相关文献

参考文献28

1Alderman, Harold, and Paxson, C., 1992. "Do the poor insure? A synthesis of the literature on risk and consumption in developing countries. " Policy Research Working paper No. 1008. The World Bank, Washington, D.C.
2Besley, T., 1995. "Savings, Creditand Insurance." In: Behrman, Srinivasan (Eds.), Handbook of Development Economics, Vol. 3b. North_Holland, Amsterdam.
3Besley, Timothy, Robin Burgess. 2002. "The political economy of government responsiveness: Theory and evidence from India, " Quarterly Journal of Economics 117 (4), 1415-51.
4Besley, Timothy, Stephen Coate. 1997. "An economic model of representative democracy, " Quarterly Journal of Economics 112 (1), 85-114.
5Besley, Timothy, Stephen Coate. 2003. "Elected versus appointed regulators: theory and evidence" . Journal of The European Economic Association 1 (5), 1176-1205.
6Cochrane, John, 1991. "A simple test of consumption insurance, " Journal of Political Economy 99, 957-76.Deaton, Angus, 1992. Understanding Consumption. Oxford University Press, Oxford.
7Diamond, Peter, 1967. "The role of stock market in a general equilibrium model with technical uncertainty."American Economic Review 57 (4), 759-776.
8Feder, G, Lau, L.J., Lin, J.Y., and Luo, X., 1993. "The nascent rural credit market in China " In: Hoff, K.,and Braverman, A., Stiglitz, J.E. (Eds.), The Economics of Rural Organizatio: Theory, Practice and Policy. Oxford Univ. Press, Oxford.
9Gertler, Paul, Jonathan Gruber 2002. "Insuring consumption against illness, " American Economic Review 92 ( 1 ),52-76.
10Gertler, Paul, David I. Levine, Enrico Moretti. 2001. "Do rulcrofinance programs help families insure consumption against illness?" Working paper, Haas School of Business, U.C. Berkeley.

二级参考文献24

1赖德胜.《教育、劳动力市场与收入分配》[A].载赵人伟等主编.《中国居民收入分配再研究》[C].中国财政经济出版社,1999年..
2李实等.1999.《中国居民收入分配实证分析》，中国社会科学文献出版社.
3赵人伟，李实.1999.《中国居民收入差距的扩大及其原因》，载《中国居民收入分配再研究》，赵人伟,李实,李思勤著，中国财政经济出版社.
4Bardhan, Pranab and Dilip Mookherjee. 2005. "Decentralizing Antipoverty Program Delivery in Developing Countries. " Journal of Public Economics , Vol, 89, Issue 4:675-704.
5Bollen, Kenneth A. and Robert W. Jackman. 1985a. "Economic and Noneconomic Determinants of Political Democracy in the 1960s" Research in Political Sociology 1:27-48.
6Bollen, Kenneth A. and Robert W. Jaekmun. 1985b. "Political Democracy and the Size Distribution of Income" American Sociological Review 50:438-457.
7Chattopadhyay, Raghabendra and Esther Duflo. 200d,. "Women as Policy Makers: Evidence from a Randomized Policy Experiment in India." Econometria, Vol. 72, Issue 5 : 1409-1443.
8Cutright, Phillips. 1963. "National Political Development: Measurement and Analysis" American Sociological Review 28:253-264.
9Cutright, Phillips. 1967. "Inequality : A Cross-Natlonal Analysis" American Sociological Review 32 : 562-578.
10Edward Crensimw. 1992 "Cross-National Determinants of lncome Inequality: A Replication and Extension Using Ecological-Evolutionary Theory" Social Forces, Vol.71, No.2, 339-363.