摘要
本文在对农业保险相关文献梳理的基础上,从借款人(农户)和贷款人(金融机构)双方福利最大化的角度构建模型,深入分析农业保险和农户信贷的内在作用机理,并在此基础上提出研究假设,进一步利用河南农户的调查数据进行实证检验。通过Logit回归模型和Tobit回归模型分析发现,农业保险作为抵押品替代信号能够有效缓解农户所受信贷配给,增加其信贷可得性和信贷额度。研究结论对更好的发挥银保互动融资功能,推进农村普惠金融服务,切实解决农村金融抑制问题具有现实指导意义。
Based on the agricultural insurance related literature review, this paper builds models from the borrower （ i.e. farmer household） and the lender （i.e. financial institutions） ＇s welfare maximization perspective, analyzes the intrinsic mechanism of agricultural in- surance as collateral substitution and rural credit in-depth, and puts forward the corresponding hypotheses. Then, this paper further uses the survey data of farmer households in Henan for empirical test. Through the Logit regression model and Tobit regression model, it finds that the agrieuhural insurance as collateral substitution signal can effectively alleviate the credit rationing of farmer households, increase their credit availability and credit amount. The research results have important theoretical and practical significance for the better functioning of bank and insurance financing, the strengthening of rural inclusive financial services and the solving of problems in rural financial services.
出处
《管理评论》
CSSCI
北大核心
2017年第6期32-42,共11页
Management Review
基金
国家自然科学基金项目(71373068)
河南省政府决策招标课题(2016B187)
河南省科技厅软科学研究项目(162400410218)
关键词
信贷配给
农业保险
信贷可得性
credit rationing, agricultural insurance, credit availability
