金融公共服务与农村信贷市

发布时间：2018-01-18 03:10

本文关键词：金融公共服务与农村信贷市场“使命漂移”的政策纠偏——基于门槛效应的理论与证据　出处：《南方经济》2017年04期 　论文类型：期刊论文

【摘要】：农村金融市场借贷双向信息不对称导致的"使命漂移"及衍生的锚定效应,使贫困农户长期遭遇正规部门的金融排斥。基于社会公平考虑,政府可通过信息公共服务的"扶持之手"来弥补信贷市场失灵,使贫困农户得以跨越"门槛效应"而参与金融市场,促进金融普惠。使用农户问卷数据进行的实证研究结果表明:在"银行(贷)→农户(借)"层面,基于信息不对称的公共服务能降低信息门槛,使金融产品更好地服务于贫困农户;在"农户(借)→银行(贷)"层面,基于自我认知的公共信息服务,有利于诱导农户参与正规金融市场。综合效果是:公共金融服务可以降低财富(收入)水平的门槛要求、纠偏使命漂移,从而使金融产品能更好地瞄准于贫困农户而不是被误置于富裕农户。
[Abstract]:The rural financial market borrowing two-way asymmetric information leading to the "mission drift" and the derivative of the anchoring effect, so that poor farmers suffered long-term financial exclusion in the formal sector. Based on the consideration of social justice, the government through the information public service "helping hand" to make up for market failure, so that poor farmers to cross the "threshold effect" in financial markets, promoting financial inclusion. The empirical results show that the use of household questionnaire data: in the "Bank (loan), farmers (borrow) level, the information asymmetry of public services can lower the threshold of financial products based on information, to better serve the poor farmers; in" farmers (borrow) to the bank (credit) level, public information service based on self cognition, to induce farmers to participate in the formal financial market. The comprehensive effect is: public financial services can reduce the level of wealth (income) threshold requirements of the rectification mission Drifting, so that financial products can be better targeted to poor farmers instead of being mistaken for rich farmers.

【作者单位】：华南农业大学经济管理学院;广州农商银行博士后工作站;中国民生银行信用卡中心广州分中心;华南农业大学国家农业制度与发展研究院;
【基金】：国家社科基金重点项目(16AJY015)的资助
【分类号】：F832.43
【正文快照】： 一、引言金融参与深刻影响着居民福祉。然而,平等的金融机会对贫困农户来说却可能是一种奢望。金融普惠因而逐渐成为广受关注的全球性问题(马九杰等,2010)。考虑到农村社区信任特征的复杂性、农村金融和农业经济转型发展过程的艰巨性、农业固有的弱质性和高风险以及农户低收入

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