摘要
本文根据中国收入分配研究院CHIP2013数据,研究社会资本、家庭财富对农户正规信贷配给的影响及其影响机制。研究结果显示:社会资本显著降低了农户受正规信贷配给约20%的概率,家庭财富负向影响农户正规信贷配给但影响程度有限;社会资本显著降低了因信贷被拒绝、信贷价格高、交易成本高及投资项目风险高造成正规信贷配给的概率,其中影响最大的为因信贷价格高而造成的未借贷型信贷配给;家庭财富显著降低了因信贷价格高造成正规信贷配给的概率,却提高了受到数量配给的概率。
Based on the CHIP2013 data published by China Institute for Income Distribution, the author of this paper analyzes the influence of social capital and family wealth on normal credit rationing to farmers and the influence mechanism. The results of the paper show that the social capital has significantly reduced the probability of normal credit rationing to farmers by about 20%, and the family wealth has a negative impact on the rationing, but the degree is low; the social capital has significantly reduced the probability of the rationing due to rejected credits, high-price credits, high-cost transaction and high-risk investment projects, and what is impacted most is the non-lending credit rationing due to high price; the family wealth has significantly reduced the probability of the rationing due to high-price credits, but increased the probability of quantity rationing.
出处
《金融论坛》
CSSCI
北大核心
2017年第5期37-49,共13页
Finance Forum
基金
国家自然科学基金面上项目"金融排斥背景下信用环境与中国农村商业银行可持续发展研究--基于湖南省的实地调研数据"(71273220)
湖南省研究生科研创新项目"精英俘获视阈下普惠金融机制完善研究--基于湖南省的实地调研"
关键词
农户
社会资本
家庭财富
正规信贷配给
农村金融制度
farmer
social capital
family wealth
formal credit rationing
rural financial system
