农户信贷可得性和最优贷款额度的理论分析与实证检验——基于农业保险抵押品替代视角

发布时间：2018-02-11 15:35

本文关键词： 信贷配给农业保险信贷可得性　出处：《管理评论》2017年06期 　论文类型：期刊论文

【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。
[Abstract]:On the basis of combing the relevant documents of agricultural insurance, this paper constructs a model from the perspective of maximizing the welfare of both borrowers (farmers) and lenders (financial institutions), and deeply analyzes the internal mechanism of agricultural insurance and peasant household credit. On the basis of this, the research hypothesis is put forward, and the empirical test is carried out by using the survey data of Henan farmers. Through the analysis of Logit regression model and Tobit regression model, it is found that, As a signal of collateral substitution, agricultural insurance can effectively alleviate the credit rationing of farmers, increase its credit availability and credit line. It is of practical significance to solve the problem of rural financial suppression.
【作者单位】：河南大学管理科学与工程研究所;河南大学数学与统计学院;
【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)
【分类号】：F302.6;F832.43

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