银保互联对中国农村正规信贷配给的影响——基于4省1014户农户调查数据的分析

The Effect of Credit Insurance on Credit Rationing in China's Formal Rural Market Based on the Survey Data of 1014 Farmers from 4 Provinces

本文结合中国农村金融服务体系存在的实际问题,以信贷配给理论为基础,利用4省1014户农户样本数据,采用Probit、Tobit等方法考察了银保互联贷款模式对中国农村正规信贷市场中信贷配给的影响。研究发现,银保互联可以缓解农户面临的需求方配给和来自于供给方的数量配给。一方面,银保互联使得原本不愿意向银行申请贷款的农户将名义信贷需求转变为有效信贷需求;另一方面,银保互联提高了农户的信贷可得性,其完全数量配给和不完全数量配给都得到了缓解。总之,通过跨行业合作实现信贷和保险耦合的银保互联贷款模式对中国农村正规信贷市场的健康发展具有积极意义。

This article uses Probit and Tobit models and offers an empirical investigation into the impacts of credit insurance on credit rationing in China’s rural market from the perspectives of the credit rationing theory and lending technology theory.The analysis was made based on survey data from 1014 farmers from 4 provinces,including Sichuan,Zhejiang,Hei Longjiang and Henan.The results show that credit insurance can help relieve quantity rationing and credit rationing from the demanding side.Farmers who are not willing to apply for loans may start to have demand for effective credits.Credit availability will also increase,which can help relieve quantity rationing of credit.Overall,the cooperation between the credit sector and the insurance sector contributes to the development of China’s rural credit market in the future.