信用评定、银行贷款决策与农户贷款可得性研究

Study on Credit Rating, Bank Loan Granting and the Availability of Farmers' Financing

农户信用评定一直被视为缓解农户融资约束的有效途径。基于演化博弈模型,深入分析破解农户融资难题的微观机制,在我国首个信用县农户信用评定的准自然实验基础上,运用DID模型有效识别并测度农户信用评定对农户融资可得性的影响。结果显示,农户信用评定显著促进了农户融资可得性,并且这种正向关系对农户生产型贷款更显著。进一步,运用PSM-DID模型进行的稳健性分析,所得结果支持了上述结论。因此,需要构建农户信用信息的采集、评价平台,推动信贷资源流向农村,实现普惠金融。

The credit rating of farmers has always been regarded as an effective way of alleviating the financing constraint facing farmers.This article analyzes deeply the micro-mechanism of solving the financing problem of farmers based on evolutionary game theory,and uses the DID model to effectively identify and measure the effect of credit rating of farmers on the availability of their credit loans based on the quasi-natural experiment of credit rating of farmers in China’s first credit county.The results show that the credit rating of farmers significantly promotes the availability of farmers’credit loans and positive credit rating demonstrates more remarkable effect in promoting production loans of farmers.Furthermore,the results of robustness analysis making use of PSM-DID model support the above conclusions.Therefore,it is necessary to establish a platform which collects and evaluates the credit information of farmers to promote the inflow of credit resources into rural areas and achieve inclusive finance.