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农户信贷配给程度及其对家庭金融资产的影响
陈治国1,李成友2,李 红1
1. 新疆农业大学 经济与贸易学院,新疆 乌鲁木齐 830052;
2. 山东财经大学 金融学院,山东 济南 250014
The Extent of Credit Rationing and its Influence on Rural Households Financial Assets in China
Chen Zhi-guo1, Li Cheng-you2, Li Hong1
1. College of Economics and Trades, Xinjiang Agricultural University, Urumqi 830052, China;2.School of Finance, Shandong University of Economics, Jinan 250014, China
Abstract：
Based on the datas that include 1500 sample rural households surveyed and tracked from 15 provinces, and by using the panel partially observable Biprobit model and linear regression model with dummy variable , this paper estimates the extent of credit rationing of rural households and its impact on rural households financial assets. The results show: 53.1% of rural households have credit rationing, 42.3% of which receive full credit rationing, 11.8% of which receive some of credit rationing; The full credit rationing have a significant impact on household financial assets, which suggests that the full credit rationing make rural households cash increase 1521 yuan, make the ratio of rural households cash and savings rise 5.61%. Therefore, the paper proposes suggestions that include perfecting rural social security system, constructing diversified rural financial ecosystem that can make the formal financial organizations, informal financial organization and new types of rural financial organizations maintain organic coordination, establishing property rights guarantee mechanism, innovating rural financial derivatives.
Chen Zhi-guo, Li Cheng-you, Li Hong.The Extent of Credit Rationing and its Influence on Rural Households Financial Assets in China [J] Economic Survey, 2016,V33(3): 43-47
2016 