| 信誉、财富与农村信贷配给——欠发达地区不同农村金融机构的供给行为研究 |
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| 引用本文： | 朱喜,马晓青,史清华.信誉、财富与农村信贷配给——欠发达地区不同农村金融机构的供给行为研究[J].财经研究,2009,35(8). |
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| 作者姓名： | 朱喜 马晓青 史清华 |
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| 作者单位： | 1. 上海交通大学安泰经济与管理学院,上海,200052
2. 浙江大学中国农村发展研究院,浙江,杭州,310029 |
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| 基金项目： | 国家自然科学基金项目，上海市哲学社会科学规划项目，中国博士后基金资助项目 |
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| 摘 要： | 文章使用2006年云南、宁夏近800个农户家庭的调查数据,实证分析了欠发达地区不同农村金融机构的信贷供给行为.在区分农户的名义需求和有效需求的基础上,研究发现信用社和银行在发放贷款时偏向富有农户,民间借贷者没有这种偏向,因而其服务的覆盖面远远超过正式机构.两者都重视农户的信誉状况,但信用记录没有实现共享.这些行为的差异主要来源于各类金融机构之间信息成本和交易成本的差别.
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| 关 键 词： | 农村金融 信贷配给 信誉 财富 |
An Empirical Analysis of Reputation,Wealth and Rural Credit Rationing:Study on the Supply Behavior of Different Rural Financial Organizations in Less-developed Areas |
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| ZHU Xi,MA Xiao-qing,SHI Qing-hua.An Empirical Analysis of Reputation,Wealth and Rural Credit Rationing:Study on the Supply Behavior of Different Rural Financial Organizations in Less-developed Areas[J].The Study of Finance and Economics,2009,35(8). |
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| Authors: | ZHU Xi MA Xiao-qing SHI Qing-hua |
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| Institution: | 1.Antai College of Economics and Management;Shanghai Jiao Tong University;Shanghai 200052;China;2.Center Academy for Rural Development;Zhejiang University;Hangzhou 310029;China |
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| Abstract: | Based on the survey data of about 800 rural households in Yunnan province and Ningxia province in 2006,the paper makes an empirical study on the credit supply behavior of rural financial organizations in less-developed areas.By differentiating between notional demand and effective demand,it indicates that rural cooperatives and banks favor the rich rural households.But informal financial organizations do not make a distinction between poor rural households and rich ones,so they cover more areas than formal ... |
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| Keywords: | rural finance credit rationing reputation wealth |
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