From the perspective of the influence on credit for farmers,this paper takes the temporarily poor farmers in Rongchang County of Chongqing Municipality as the respondents,and employs the expert survey method and on-si...From the perspective of the influence on credit for farmers,this paper takes the temporarily poor farmers in Rongchang County of Chongqing Municipality as the respondents,and employs the expert survey method and on-site analysis to analyze the reasons and put forward three hypotheses. Using the AHP model,we carry out the empirical analysis of three major hypotheses concerning the credit for farmers. The study demonstrates that the state's unclear definition of property rights of farmers and farmers' lack of collateral are the primary factor influencing the credit for farmers,followed by insufficient targeted financial and technical support for the farmers who are engaged in the agricultural sector affected by the nature; farmers do not really get the assistance for them to use the natural resources to develop the rural economy,so that the banks complicate the loan procedures and increase the requirements of loans for farmers in order to ensure the capital liquidity and safety,thus further deepening the plight of credit for farmers.展开更多
Based on the China Household Finance Survey(CHFS)data of 2011-2017,this paper investigated the effects of China’s targeted poverty alleviation policy on rural credit access and amount using the“difference-in-differe...Based on the China Household Finance Survey(CHFS)data of 2011-2017,this paper investigated the effects of China’s targeted poverty alleviation policy on rural credit access and amount using the“difference-in-differences”methodology.This study found that the targeted poverty alleviation policy increased the availability and amount of formal credit to poor households and reduced the proportion and amount of their borrowing through informal channels,and that the effects increased amid the policy’s implementation over time.This paper further found that the policy effects were more significant for China’s western regions,reflecting a positive role of targeted poverty alleviation in coordinating pro-poor finance across regions.Compared with poor counties,poor households from non-poor counties experienced a greater increase in their probability and amount of formal credit access,reflecting China’s approach of reducing regional poverty before targeting more precisely at individual poor households.This paper also uncovered that no significant“elite capture”effect had existed in the allocation of formal agricultural credit under targeted poverty alleviation,but extremely poor households experienced no significant change in their access to formal credit.While the targeted poverty alleviation policy has helped create a sound rural credit market,it should further improve access to formal finance for extremely poor households.展开更多
Since the founding of the People’s Republic of China in 1949,China’s per capita education level has risen from less than two years to 9.91 years.However,as the province with the lowest per capita education level in ...Since the founding of the People’s Republic of China in 1949,China’s per capita education level has risen from less than two years to 9.91 years.However,as the province with the lowest per capita education level in China,Tibet has only reached the level of 6.75 years per capita.This illustrates the worrying educational inequality that still exists between China’s poorer and more developed regions.This educational inequality can also be expressed by the Gini coefficient of education.In order to eliminate this educational inequality,the Chinese government has made great efforts.The Chinese government has expanded the demand for education through the right incentive system and the nine-year compulsory education law.On the other hand,the Chinese government directly or indirectly grants subsidies to education suppliers and demanders to achieve the purpose of increasing education output.Based on the positive externality of education itself,the Chinese government attaches great importance to the cultivation of human resources for offspring,and hopes to transform China’s quantity-based demographic dividend into quality-based demographic dividend,and finally realize sustained economic growth.We believe that some education-related policies promulgated by China have indeed reduced educational inequality in poor areas to some extent,but there is still potential for progress in further addressing educational inequality in poor areas by the Chinese government.展开更多
With the rapid development of big data technology, the personal credit evaluation industry has entered a new stage. Among them, the evaluation of personal credit based on mobile telecommunications data is one of the h...With the rapid development of big data technology, the personal credit evaluation industry has entered a new stage. Among them, the evaluation of personal credit based on mobile telecommunications data is one of the hotspots of current research. However, due to the complexity and diversity of personal credit evaluation variables, in order to reduce the complexity of the model and improve the prediction accuracy of the model, we need to reduce the dimension of the input variables. According to the data provided by a mobile telecommunications operator, this paper divides the data into a training sets and verification sets. We perform correlation analysis on each indicator of the data in the training set, and calculate the corresponding IV value based on the WOE value of the selected index, then binning data with SPSS Modeler. The selected variables were modeled using a logistic regression algorithm. In order to make the regression results more practical, we extract the scoring rules according to the results of logistic regression, convert them into the form of score cards, and finally verify the validity of the model.展开更多
基金Supported by Business Management Cultivation Discipline of Rongchang Campus of Southwest University(RCQG207001)
文摘From the perspective of the influence on credit for farmers,this paper takes the temporarily poor farmers in Rongchang County of Chongqing Municipality as the respondents,and employs the expert survey method and on-site analysis to analyze the reasons and put forward three hypotheses. Using the AHP model,we carry out the empirical analysis of three major hypotheses concerning the credit for farmers. The study demonstrates that the state's unclear definition of property rights of farmers and farmers' lack of collateral are the primary factor influencing the credit for farmers,followed by insufficient targeted financial and technical support for the farmers who are engaged in the agricultural sector affected by the nature; farmers do not really get the assistance for them to use the natural resources to develop the rural economy,so that the banks complicate the loan procedures and increase the requirements of loans for farmers in order to ensure the capital liquidity and safety,thus further deepening the plight of credit for farmers.
基金by the General Project of the National Natural Science Foundation of China(NSFC)(Grant No.71373213)the Key Project of the National Social Science Fund of China(NSSFC)(Grant No.16AZ014)+2 种基金the Major Project of Beijing Social Science Fund(Grant No.15ZDA45)the National Youth Talent Support Program of the Organization Department of the CPC Central Committeethe New Century Talents Program of the Ministry of Education,Beijing Youth Talent Team。
文摘Based on the China Household Finance Survey(CHFS)data of 2011-2017,this paper investigated the effects of China’s targeted poverty alleviation policy on rural credit access and amount using the“difference-in-differences”methodology.This study found that the targeted poverty alleviation policy increased the availability and amount of formal credit to poor households and reduced the proportion and amount of their borrowing through informal channels,and that the effects increased amid the policy’s implementation over time.This paper further found that the policy effects were more significant for China’s western regions,reflecting a positive role of targeted poverty alleviation in coordinating pro-poor finance across regions.Compared with poor counties,poor households from non-poor counties experienced a greater increase in their probability and amount of formal credit access,reflecting China’s approach of reducing regional poverty before targeting more precisely at individual poor households.This paper also uncovered that no significant“elite capture”effect had existed in the allocation of formal agricultural credit under targeted poverty alleviation,but extremely poor households experienced no significant change in their access to formal credit.While the targeted poverty alleviation policy has helped create a sound rural credit market,it should further improve access to formal finance for extremely poor households.
文摘Since the founding of the People’s Republic of China in 1949,China’s per capita education level has risen from less than two years to 9.91 years.However,as the province with the lowest per capita education level in China,Tibet has only reached the level of 6.75 years per capita.This illustrates the worrying educational inequality that still exists between China’s poorer and more developed regions.This educational inequality can also be expressed by the Gini coefficient of education.In order to eliminate this educational inequality,the Chinese government has made great efforts.The Chinese government has expanded the demand for education through the right incentive system and the nine-year compulsory education law.On the other hand,the Chinese government directly or indirectly grants subsidies to education suppliers and demanders to achieve the purpose of increasing education output.Based on the positive externality of education itself,the Chinese government attaches great importance to the cultivation of human resources for offspring,and hopes to transform China’s quantity-based demographic dividend into quality-based demographic dividend,and finally realize sustained economic growth.We believe that some education-related policies promulgated by China have indeed reduced educational inequality in poor areas to some extent,but there is still potential for progress in further addressing educational inequality in poor areas by the Chinese government.
文摘With the rapid development of big data technology, the personal credit evaluation industry has entered a new stage. Among them, the evaluation of personal credit based on mobile telecommunications data is one of the hotspots of current research. However, due to the complexity and diversity of personal credit evaluation variables, in order to reduce the complexity of the model and improve the prediction accuracy of the model, we need to reduce the dimension of the input variables. According to the data provided by a mobile telecommunications operator, this paper divides the data into a training sets and verification sets. We perform correlation analysis on each indicator of the data in the training set, and calculate the corresponding IV value based on the WOE value of the selected index, then binning data with SPSS Modeler. The selected variables were modeled using a logistic regression algorithm. In order to make the regression results more practical, we extract the scoring rules according to the results of logistic regression, convert them into the form of score cards, and finally verify the validity of the model.
