摘要
笔者利用张家港市农户的调查数据,运用Probit和Logit模型实证风险态度与信贷配给之间的关系。研究表明,农户风险态度与信贷配给呈显著的正向关系,农户的风险规避意识越强产生的需求型信贷配给越强烈。农户的风险态度决定了风险成本与风险溢金,进而影响了信贷行为及其信贷配给程度。缓解农户信贷配给应从政府、金融机构和农户三方面着手。
The paper theoretically analyzes and empirically tests the relationship between the farmer＇ s risk attitude and credit ration- ing. The results of descriptive analysis and the Probit model and Logit model indicate that there is a significantly positive relationship between risk attitude and credit rationing. The stronger the farmer＇ s risk aversion shows, the more seriously the demanded credit ra- tioning produces. The farmer＇s risk attitude determines the risk cost and risk premiumwhich affects the credit behavior and credit rationing degree. The measures for relieving the farmer＇ s credit rationing must be taken from government, financial institutions and farmer aspects.
出处
《经济经纬》
CSSCI
北大核心
2014年第1期149-154,共6页
Economic Survey
基金
国家社会科学基金重大项目(11&ZD141)
教育部人文社会科学研究西部和边疆地区项目(11XJC790007)
中央高校基本科研业务费专项资金资助(SWU1309229)
