信用评级与农村家庭消费——基于典型试验区准自然实验的研究
Credit Rating and Rural Household Consumption:Based on A Quasi-natural Experiment in Typical Experimental Areas
张宁 1吴依含2
作者信息
- 1. 南京农业大学金融学院,江苏南京 210095
- 2. 东南大学经济管理学院,江苏南京 211189
- 折叠
摘要
研究立足中国农村家庭信用评级基本制度,基于信贷配给理论,分析信用评级对农村家庭消费水平及结构的影响,并进一步探讨不同制度安排下的影响差异;同时,以典型试验区开展整村逐户评级试点为契机,利用948户农村家庭调研数据进行实证检验.结果表明,通过提高信贷需求及可获性,信用评级对农村家庭消费水平提升和消费结构优化均具有显著的促进作用;在村两委参与度较高或评级绑定利率优惠的制度安排下,·信用评级的正向影响增强;相较于中等收入家庭,信用评级对高收入和低收入农村家庭消费的促进作用更加明显.
Abstract
Based on the basic system of rural household credit rating in China,this paper analyzes the impact of credit rating on rural household consumption,and further discusses the impact differences under different institutional arrangements.Besides,tak-ing the opportunity of carrying out the whole village household rating pilot in the typical pilot area,the empirical test is carried out by using the survey data of 948 rural house-holds.The results show that credit rating can significantly promote the consumption level and the consumption structure by improving the credit demand and availability of rural households.The impact of credit rating is enhanced under the institutional arrangement of high participation of village two committees and preferential interest rate binding rating.Compared with middle-income household,credit rating plays a more obviously facilitat-ing role in the consumption of high-income and low-income rural household.
关键词
信用评级/流动性约束/农村家庭消费/信贷配给/消费结构Key words
credit rating/liquidity constraints/rural household consumption/credit rationing/consumption structure引用本文复制引用
出版年
2024
NETL
NSTL
万方数据