信用声誉、银行信贷决策与农户融资成本——来自我国首个信用县的经验证据

Credit Reputation,Bank Credit Decision and Farmer Financing Cost——Empirical Evidence from the First Credit County in China

以我国首个信用县农户信用信息系统的微观数据为样本,运用倾向得分匹配法考察信用声誉对银行信贷决策和农户融资成本的影响。结果发现:信用声誉能够带给农户更多的银行信贷和更低的贷款利率,农户收入越高,信用声誉的激励效应越明显,同时信用声誉在信用体系建设的整村推进模式下激励效应越强。

By taking the micro data of the credit information system of the first credit county in China as a sample,this paper uses the propensity score matching method to investigate the impact of credit reputation on bank credit decisions and farmer’s financing cost. The results show that credit reputation can provide farmers more credit loan with lower interest rates; that the higher household income are,the more obvious incentive effect resulted from credit reputation is; and that credit reputationis of stronger incentive effect under the ＂whole village＂progression pattern of the credit system construction.