获得贷款证缓解了农户信贷约束吗——基于倾向得分匹配法的实证分析

发布时间：2018-01-13 14:06

本文关键词：获得贷款证缓解了农户信贷约束吗——基于倾向得分匹配法的实证分析　出处：《经济理论与经济管理》2017年03期 　论文类型：期刊论文

【摘要】：本文利用中国农村金融调查数据,采取倾向得分匹配法,克服了农户获得贷款证的样本选择偏误和内生性问题,评估贷款证的获得与否对农户信贷约束的影响。研究结果表明:获得贷款证的农户信贷约束强度将显著降低43.8%,而拥有贷款证使农户在生产活动方面的信贷约束强度降低程度大于消费活动。在进一步评估获取贷款证对不同生产消费活动信贷约束的缓解效果时发现,获得贷款证对农户农业生产、做小生意、办企业、建房、上学方面的信贷约束强度有不同程度的降低作用,但对农户婚丧、看病的信贷约束并无影响。
[Abstract]:This paper makes use of the data of Chinese rural finance survey and adopts the tendency score matching method to overcome the sample selection bias and endogenous problems of farmers obtaining loan certificates. The research results show that the credit constraint intensity of the farmers who obtain the credit card will be significantly reduced by 43.8%. The credit constraint intensity of farmers in production activities is lower than that of consumption activities. Further evaluation of the mitigation effect of credit constraints on different production and consumption activities is made. Obtaining credit certificate can reduce the intensity of credit constraint in agricultural production, small business, enterprise, building house and school to some extent, but it has no effect on the credit constraint of farmer's marriage and funeral and medical treatment.
【作者单位】：湘潭大学商学院;
【基金】：国家自然科学基金面上项目(71273220) 湖南省研究生科研创新项目(CX2015B200)的资助
【分类号】：F832.43
【正文快照】： 一、引言农村金融是一个世界性难题,卡特(Carter)、福尔茨(Foltz)等人的研究均表明农户受到普遍的信贷约束这一问题尤其突出。[1][2]虽然我国在农村金融领域的改革从未停止,但长期实施的“供给驱动”农贷制度无法有效对接农户信贷需求,加之农户财务残缺的特征阻碍了抵押担保

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