我国省际消费风险分担的周期波动性研究——基于小微企业信贷可得性视角的解释

发布时间：2018-06-08 03:40

本文选题：消费风险分担 + 小微企业　；参考：《经济经纬》2015年06期

【摘要】：我国地区间消费风险分担的现有文献主要关注消费风险分担的水平和渠道,而忽略了消费风险分担的周期波动性及其原因。笔者利用省际面板数据,实证检验我国省际消费风险分担的周期波动性,并计量小微企业信贷可得性的改善和能否通过小微企业主的收入保险机制影响我国省际消费风险分担的周期波动性。结果显示:我国省际消费风险分担呈顺周期特征;尽管小微企业信贷可得性对我国省际消费风险分担周期波动性的影响存在地域性差异,但小微企业主的收入保险机制在我国已经开始发挥效应。因此,加强小微企业的信贷支持、促进小微企业主收入保险机制进一步发挥作用,对于平滑消费和增加社会福利具有重要意义。
[Abstract]:The current literature on consumption risk sharing among regions in China mainly focuses on the level and channel of consumption risk sharing, while neglecting the periodic volatility of consumption risk sharing and its causes. By using inter-provincial panel data, the author empirically tests the periodic volatility of inter-provincial consumption risk sharing in China. It also measures the improvement of the credit availability of small and micro enterprises and whether the periodic volatility of consumption risk sharing among provinces in China can be affected by the income insurance mechanism of small and micro enterprises. The results show that inter-provincial consumption risk sharing in China is pro-cyclical, although the impact of credit availability on inter-provincial consumption risk sharing cycle volatility exists regional differences. However, the income insurance mechanism of small and micro-entrepreneurs has begun to play an important role in our country. Therefore, it is of great significance to strengthen the credit support of small and micro enterprises and promote the income insurance mechanism of small and micro enterprises to play a further role in smoothing consumption and increasing social welfare.
【作者单位】：四川大学经济学院;
【基金】：国家社会科学基金项目(12CJL043)
【分类号】：F832.4;F276.3

【参考文献】