“信贷联结型”银保互动能否缓解农户信贷配给——基于选择实验法的实证分析

Can the Credit and Insurance Interactions Alleviate the Farmers’ Credit Rationings——Evidence from a Choice Experiment

本文首先从理论上分析信贷联结型银保互动对农户信贷配给的影响,在此基础上以江苏和黑龙江两省的305名农户为田野调查对象进行了选择实验。实证分析的结果显示信贷联结型银保互动对农户的风险配给存在负向的干预效应,且这一效应对小农户来说程度更强,进一步研究发现信贷联结型银保互动对规模农户的数量配给具有缓解作用。根据上述结果,本文认为应继续加强银保互动的合作深度,并针对不同规模的农业经营主体因地制宜地设计和开展银保互动项目。

This paper theoretically analyzes the impact of interlinked credit and insurance interactions on farmers＇ credit rationings. We investigate 305 farmers from Jiangsu and Heilongjiang Provinces by using choice experiment method. From the experiment and empirical analysis,we find that the interactions have a negative effect on risk rationing,especially for small farmers. The further study finds in the case of interactions the scale farmers＇ quantity rationing can be effectively alleviated. Drawn on the results,this paper suggests that we should continue to strengthen the interactive depth between credit and insurance,and design the interactive programs in accordance with local conditions.