摘要
本文根据中国家庭金融调查发布的微观调查数据,研究了农户的借贷状况及其收入效应。结果表明,能够获得贷款的农户比例还比较小,相当多具有借贷需求的农户没有得到贷款支持;贷款对农户收入具有显著的促进作用,对于农户收入水平提高的效果更加显著;而利用多值处理效应模型检验不同借贷状况对农户收入的影响,可以看到民间借款和银行贷款都能提高农户收入水平,二者的收入效应差别不大,但是在低收入水平上借贷的收入效应并不显著。
Based on the micro-data collected by China Household Finance Survey, this paper analyzed the income effect of access to credit in rural China. We found that the access to credit was difficult for farmers, and the average loan size was small; the impact of access to credit on income was positive, and after considering the endogeneity bias, the income effect was more significant;there is little difference between the effects of loans and the effects of private lending, and the effects of borrowing for low income farmers is not significant.
出处
《上海经济研究》
CSSCI
北大核心
2014年第8期27-33,41,共8页
Shanghai Journal of Economics
关键词
农户借贷
农户收入
处理效应模型
多值处理效应
access to credit
Farmers＇ income
treatment effect model
multivalued treatment effects
