农户正规信贷需求与利率:基于Tobit Ⅲ模型的经验考察被引量：90

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摘要在利率市场化步伐加快的背景下,本文采用2013年浙江省实地调研数据实证考察发达地区农户正规信贷需求及其对利率的弹性。与已有研究相比,本文运用意愿调查和TobitⅢ模型等方法更全面地处理了此类研究固有的数据截尾、样本选择偏差和利率内生性三类计量问题,并提出了处理多笔贷款与利率弹性异质性问题的新思路。研究发现:(1)利率显著影响农户正规信贷需求,低收入群体信贷需求对利率也是敏感的;(2)正规金融机构并未对不同特征农户采取差异化定价策略;(3)中等及以上收入水平农户正规信贷需求较高,而富裕农户获得正规贷款的机会更多;(4)农户正规信贷需求非农化与大额化倾向明显。中国农村信贷市场正处在一个关键的转型期,本文所揭示的当前经济发达地区农户正规信贷需求与金融机构定价的一些新特征将为推进农村金融市场化改革以及调整、完善农村信贷政策提供参考依据。

作者刘西川陈立辉杨奇明

机构地区浙江理工大学经济管理学院浙江大学中国农村发展研究院北京大学国家发展研究院

出处《管理世界》 CSSCI 北大核心 2014年第3期75-91,共17页 Journal of Management World

基金国家自然科学基金青年项目(批准号:70903056) 教育部人文社会科学重点研究基地重大项目(批准号:12JJD790004) 浙江理工大学科研启动基金项目(批准号:11212932611202)的资助

关键词名义正规信贷需求利率信贷规模需求利率弹性异质性Tobit Ⅲ模型

分类号 F832.43 [经济管理—金融学] F224 [经济管理—国民经济]

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