农村信贷配给实证分析

Empirical Analysis on the Rural Credit Rationing

信贷配给是制约我国农村信贷市场建设的重要因素,也阻碍了农村金融环境优化、影响了农村经济的良性发展。通过引入制度因子,量化信贷配给,构建了信贷配给宏观计量模型,对我国农村信贷配给状况进行实证检验,结果证明,利率和制度因子是造成我国农村信贷配给的两大因子。应合理调控利率、推进深化改革、加大三农扶持力度,实现农村经济社会的和谐发展。

The Chinese rural rationing confines the construction of rural credit market, as well as impedes the amelioration of the financial environment and the development of the rural econo- my. By citing the institutional factor and quantifying the credit rationing, a Macro-econometric model is built to test the credit rationing in our rural area. The results substantiate that interest rates and the institutional factor are the main factors contributing to our rural credit rationing. Finally, this paper comes up with proposals that the People＇s Bank of China should control and adjust the interest rates to a more rational and advisable level. The national government is sup- posed to deepen the reform and support the rural areas further in order to realize the harmony of economy and society in our rural area.