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6857文章利用独特的真实交易数据，首次从人口流动视角研究乡城流动借款人的信用风险以及流出地和流入地空间收入差异在其中的作用机制。研究发现：乡城流动借款人违约概率比城市借款人高3%左右，但比农村借款人低约1%；流入地、流出地的收入差异与乡城流动借款人的违约概率呈U形关系，随着流入地和流出地收入差异的扩大，违约概率先下降后上升，在收入约为3万元时违约概率最低；流入地、流出地收入差异对违约概率的影响主要来自于流入地收入水平。文章弥补了现有文献关于流动人口违约行为研究的欠缺，充实和拓展了理论界有关借款人信用风险的研究，并从增进信用角度对政府有关城镇化建设中有关流动人口政策制定提供参考。
乡城流动借款人信用风险与空间收入差异决定
摘要
参考文献
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引用本文
何光辉, 杜威, 杨咸月. 乡城流动借款人信用风险与空间收入差异决定[J]. 上海财经大学学报, 2019, 21(3): 63-73.
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