信誉、财富与农村信贷配给——欠发达地区不同农村金融机构的供给行为研究
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财经研究 2009 年 第 35 卷第 08 期, 页码：5 - 15
摘要
参考文献
摘要
文章使用2006年云南、宁夏近800个农户家庭的调查数据,实证分析了欠发达地区不同农村金融机构的信贷供给行为。在区分农户的名义需求和有效需求的基础上,研究发现信用社和银行在发放贷款时偏向富有农户,民间借贷者没有这种偏向,因而其服务的覆盖面远远超过正式机构。两者都重视农户的信誉状况,但信用记录没有实现共享。这些行为的差异主要来源于各类金融机构之间信息成本和交易成本的差别。
⑥当然,天下没有免费的午餐。减少了最低抵押要求,相应的隐含贷款利率会提高。参见Conning和Udry(2007)。
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[13]Petrick,Martin.Farm invest ment,credit rationing,and governmentally promotedcredit access in poland:A cross-sectional analysis[J].Food Policy,2004,29:275-294.
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[1]史清华,陈凯.欠发达地区农户借贷行为的实证分析[J].农业经济问题,2002,(10):29-35.
[2]朱喜,李子奈.农村正式金融机构对农户的信贷配给[J].数量经济技术经济研究,2006,(3):37-49.
[3]李锐,朱喜.农户金融抑制及其福利损失的实证分析[J].经济研究,2007,(2):146-155.
[4]黄祖辉,刘西川,程恩江.中国农户的信贷需求:生产性抑或消费性——方法比较与实证分析[J].管理世界,2007,(3):73-80.
[5]徐忠,程恩江.利率政策、农村金融机构行为与农村信贷短缺[J].金融研究,2004,(12):34-44.
[6]Boucher S R,Guirkinger C,Trivelli C.Direct elicitation of credit constraints:Concep-tual and practical issues with an empirical application[R].University of California-Da-vis,Working Paper,2006.
[7]Conning J,Udry C.Rural financial markets in developing countries[A].R Evenson,PPingali.Agricultural development:Farmers,farm production and farm markets[C].Amsterdam:North Holland,2007:2857-2908.
[8]Feder G,Lau L,Lin J,Luo X.The relationship between credit and productivity inChinese agriculture:A microeconomic model of disequilibrium[J].American Journal ofAgricultural Economics,1990,72(5):1151-1157.
[9]Hubbard R G.Capital-market i mperfections and invest ment[J].Journal of EconomicLiterature,1998,36(1):193-225.
[10]Jappelli.Who is credit constrained in the U.S.economy[J].Quarterly Journal of E-conomics,1990,105(1):219-234.
[11]Kochar,Anjini.An empirical investigation of rationing constraints in rural credit mar-kets inindia[J].Journal of Development Economics,1997,53:339-371.
[12]Mushinski D.An analysis of loan offer functions of banks and credit unions in guate-mala[J].Journal of Development Studies,1999,36(2):88-112.
[13]Petrick,Martin.Farm invest ment,credit rationing,and governmentally promotedcredit access in poland:A cross-sectional analysis[J].Food Policy,2004,29:275-294.
[14]Stiglitz J E,Weiss A.Credit rationing in markets with i mperfect information[J].American Economic Review,1981,71:393-411.
[15]Wooldridge J M.Introductory econometrics:A modern approach[M].South-WesternCollege Pub.,2003.
引用本文
朱喜, 马晓青, 史清华. 信誉、财富与农村信贷配给——欠发达地区不同农村金融机构的供给行为研究[J]. 财经研究, 2009, 35(8): 5–15.
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